Copyrights and Privacy Statement

Authorization of Use

Ervua Final Expense hereby authorizes any person to access this Website for informational purposes only. Ervua Final Expense reserves the right to terminate access to this Website at any time without notice. The data, information and material included in this Website is copyrighted by Ervua Final Expense. All rights are reserved under the copyright laws of the United States of America. No part of this Website can be redistributed, copied or reproduced without the prior written consent of Ervua Final Expense.

No Warranties

The user of this Website assumes all responsibility and risk for the use of this Website and the Internet generally. Ervua Final Expense, and its affiliated companies disclaim all warranties, representations or endorsements, expressed or implied, with regard to the data, information and material included in, or accessible from, this Website or the Internet, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose or noninfringement. Ervua Final Expense and its affiliated companies have the right to discontinue, change or update any data, information or material included in the Website without prior notice, and they do not assume any legal liability or responsibility for the accuracy, completeness or usefulness of any data, information or material included in, or accessible from, this Website. No advice or information given by Ervua Final Expense or its affiliated companies shall create any warranty. Neither Ervua Final Expense nor its affiliated companies warrants that the data, information and material included in the Website or on the Internet will be uninterruptible or error free or that any data, information, software or other material accessible from this Website is free of viruses or other harmful components. Several of our pages describe various insurance products. The availability of a specific product may differ from state to state. The product descriptions are general in nature and the insurance coverages are subject to the specific terms of the actual policies issued. If you are interested in the terms and conditions of a specific product, please contact us for additional information.

Disclaimer of Liability

In no event shall Ervua Final Expense or its affiliated companies be liable for any compensatory, special, direct, incidental, indirect, or consequential damages, exemplary damages or any damages whatsoever resulting from loss of use, data, information or profits arising out of or in connection with the use or performance of the data, information or material included in this Website or on the Internet generally or on any other basis.

Electronic Communications

Ervua Final Expense will not be deemed to have accepted any electronic communication unless Ervua Final Expense provides the sender of the electronic communication with an acknowledgment verifying receipt of the communication. If Ervua Final Expense sends any electronic communication, Ervua Final Expense will assume the communication was received intact by the intended recipient. The recipient of such message must notify Ervua Final Expense if the transmission was not received or was not received in a readable format.

Security

Despite the security measures taken by Ervua Final Expense, there is an inherent risk in disclosing personal information over the Internet. Anyone electronically transmitting personal information assumes the risk that such information may be disclosed or intercepted by unintended third parties and Ervua Final Expense disclaims all liability resulting from such interception or disclosure. Anyone who wishes to apply for an insurance quote who is concerned about maintaining the security of their personal information may mail the information to Ervua Final Expense.

We transmit non-personally identifiable information to third party service providers (e.g. Google) that collect website statistics. We may also transmit non-personally identifiable information to third party service providers that may use such information during your visits to this and other websites in order to provide advertisements about goods and services likely to be of greater interest to you.

One method of collecting such information is through the use of cookies. A cookie is a piece of data that is stored on a visitor’s hard drive while they are visiting this Website. We may utilize a short-lived form of cookie when you visit this site. At Ervua Final Expense, a cookie is only used to identify one unique visitor from another visitor during a particular session. A session is the period of active site-use while that unique visitor is linked to our server.

Use of cookies helps us to improve our Website and to deliver a better and more personalized service by enabling us to: estimate our audience size and usage patterns; store information about your preferences allowing us to customize our Site according to your individual interests; speed up your searches; and recognize you when you return to our Website. You may refuse to accept cookies by activating the appropriate setting on your browser. However, if you activate such a setting, you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.

The cookie expires and is deleted from the visitor’s computer as soon as they close their browser or if they are not actively browsing our Website for more than 20 minutes. Should a previous visitor to our Website return for a new session, they will be issued a new cookie and in no way will they be recognized as a visitor from a previous visit or session.

Changes In Our Privacy Policy

We reserve the right to change this Privacy Policy without providing you with advance notice of our intent to make the changes. If you have any questions about our privacy policy, please feel free to contact us.

Use of this site shall be governed by and construed in accordance with the laws of our state of business, without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in our state of business.

Should any provision of our terms and conditions be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

TCPA Consent & Privacy

Notwithstanding any current or prior election to opt in or opt out of receiving telemarketing calls or SMS messages (including text messages) from us, or licensed independent life insurance agents, brokers, representatives, affiliates, or anyone calling on our behalf, you expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes arising out of or relating to your inbound inquiry to obtain information on life insurance, at any telephone number, or physical or electronic address you provide or at which you may be reached.

You agree we may contact you in any way, including SMS messages (including text messages), calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system. Automated messages may be played when the telephone is answered whether by you or someone else. In the event that an independent life insurance agent, broker or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via text.

You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from us, or independent life insurance agents, brokers, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, or numbers we can reasonably associate with your account (through skip trace, caller ID capture or other means), with information or questions about your inbound inquiry to obtain information on life insurance programs.

You certify, warrant, and represent that the telephone numbers that you have provided to us are your contact numbers. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to promptly alert us whenever you stop using a particular telephone number. Your cellular or mobile telephone provider will charge you according to the type of plan you carry. You also agree that we may contact you by e-mail, using any email address you have provided to us or that you provide to us in the future. We may listen to and/or record phone calls between you and our representatives without notice to you as permitted by applicable law. For example, we listen to and record calls for quality monitoring purposes.