Effective Date: May 15, 2026
Website: FinalExpenseGateway.com

Terms and Conditions

Welcome to FinalExpenseGateway.com (“Website,” “we,” “our,” or “us”). By accessing or using this Website, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree, you should not use this Website.

FinalExpenseGateway.com operates as a marketing and lead generation platform that connects consumers with licensed insurance agents, insurance agencies, financial service providers, and other third-party marketing partners. Similar lead-generation models are commonly used across the insurance and financial services industry.

1. No Insurance Advice or Broker Relationship

FinalExpenseGateway.com is not an insurance carrier, insurance agency, lender, or broker unless otherwise specifically disclosed.

The information provided on this Website is for general informational and marketing purposes only and does not constitute:

insurance advice,

legal advice,

financial advice,

tax advice, or

an offer to sell insurance products.

Any insurance products discussed or offered are provided solely by licensed third-party agents, agencies, or carriers.

We do not guarantee:

eligibility,

approval,

pricing,

coverage availability,

policy terms,

carrier acceptance, or

insurance outcomes.

Users should independently verify all policy details directly with the licensed insurance provider.

2. Consent to Contact

By submitting your information through this Website, you expressly consent to receive communications from us and our marketing partners, including:

phone calls,

prerecorded calls,

autodialed calls,

SMS/text messages,

emails,

ringless voicemail,

direct mail, and

other marketing communications.

These communications may be made using automated technology, even if your telephone number is listed on a federal, state, or internal Do-Not-Call registry.

Consent is not a condition of purchase.

Message and data rates may apply.

You may opt out at any time:

Text STOP to cancel SMS

Text HELP for assistance

Use unsubscribe links in emails

Contact us directly

3. Lead Generation & Data Sharing Disclosure

By submitting your information, you acknowledge and agree that:

Your information may be sold, shared, transferred, licensed, or distributed to third parties.

We may share your information with insurance agencies, insurance carriers, marketing companies, data aggregators, call centers, and other commercial partners.

Multiple parties may contact you regarding insurance or related financial products and services.

We may receive compensation for leads, clicks, inquiries, applications, or completed transactions.

You expressly authorize us to use and monetize submitted information consistent with our Privacy Policy and applicable law.

4. No Guarantee of Results

We do not guarantee:

policy issuance,

policy pricing,

carrier acceptance,

qualification,

savings,

benefits,

or financial outcomes.

Insurance eligibility and rates depend on numerous factors including:

age,

health,

state regulations,

underwriting,

and carrier guidelines. (Palmetto Mutual | Final Expense Help)

5. Third-Party Websites and Services

This Website may contain links to third-party websites or services.

We do not control or endorse third-party content, products, services, or policies and are not responsible for:

accuracy,

legality,

security,

availability,

or privacy practices.

Your use of third-party services is at your own risk.

6. User Representations

By using this Website, you represent and warrant that:

you are at least 18 years old,

the information you provide is truthful and accurate,

you are authorized to submit the information provided,

and your use of the Website complies with all applicable laws.

You agree not to:

submit false information,

impersonate another person,

misuse the Website,

attempt unauthorized access,

or interfere with Website functionality.

7. TCPA and Communication Compliance

You acknowledge that by submitting your information, you are providing prior express written consent under the Telephone Consumer Protection Act (“TCPA”) to receive marketing communications from us and our partners.

You further acknowledge:

consent may be revoked at any time,

revocation does not affect prior lawful processing,

and communications may continue until opt-out requests are processed.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

FINAL EXPENSE GATEWAY, ITS OWNERS, AFFILIATES, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, AND PARTNERS SHALL NOT BE LIABLE FOR:

INDIRECT DAMAGES,

INCIDENTAL DAMAGES,

CONSEQUENTIAL DAMAGES,

SPECIAL DAMAGES,

LOST PROFITS,

LOSS OF DATA,

LOSS OF BUSINESS,

OR ANY CLAIM ARISING OUT OF:

WEBSITE USE,

THIRD-PARTY CONTACTS,

INSURANCE PRODUCTS,

MARKETING COMMUNICATIONS,

OR DATA SHARING.

YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK.

IF LIABILITY IS IMPOSED DESPITE THESE LIMITATIONS, OUR TOTAL LIABILITY SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).

9. Indemnification

You agree to defend, indemnify, and hold harmless FinalExpenseGateway.com and its affiliates, owners, employees, contractors, and partners from any claims, liabilities, damages, losses, costs, or expenses arising from:

your Website use,

your submitted information,

your violation of these Terms,

or your violation of any law or third-party rights.

10. Disclaimer of Warranties

THIS WEBSITE IS PROVIDED “AS IS” AND “AS AVAILABLE.”

WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING:

MERCHANTABILITY,

FITNESS FOR A PARTICULAR PURPOSE,

NON-INFRINGEMENT,

ACCURACY,

RELIABILITY,

AND AVAILABILITY.

We do not warrant uninterrupted or error-free operation.

11. Arbitration Agreement & Class Action Waiver

Any dispute arising from these Terms or Website use shall be resolved exclusively through binding arbitration on an individual basis.

You waive:

the right to participate in class actions,

class arbitrations,

representative actions,

or jury trials.

Arbitration shall be governed by the Federal Arbitration Act and administered in the State of Illinois unless otherwise required by law.

12. Governing Law

These Terms shall be governed by the laws of the State of Illinois, without regard to conflict of law principles.

13. Compliance with State and Federal Laws

Users are responsible for compliance with all applicable local, state, and federal laws.

Nothing contained on this Website constitutes an offer where prohibited by law.

14. California Privacy Rights

California residents may have additional rights under the California Consumer Privacy Act (“CCPA/CPRA”), including rights related to:

access,

deletion,

correction,

and opting out of sale/sharing of personal information.

To exercise these rights, contact us using the information below.

15. Changes to These Terms

We reserve the right to modify these Terms at any time without prior notice.

Updated Terms become effective upon posting to the Website.

Continued Website use constitutes acceptance of revised Terms.

16. Contact Information

FinalExpenseGateway.com
Email: [email protected]
Website: https://finalexpensegateway.com

Important Legal Recommendation

Because your site collects and sells consumer lead data in the insurance space, you should also have:

a separate Privacy Policy,

TCPA consent language directly on forms,

a CCPA disclosure,

cookie consent banner,

and state-specific disclosures (especially for California, Florida, and Texas).

You should strongly consider having an attorney licensed in your operating state review this before publishing, especially for:

TCPA compliance,

lead resale,

insurance advertising,

and consumer privacy laws.