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Terms & Conditions

Legal Terms - Plan4FinalExpenses

AGREEMENT TO OUR LEGAL TERMS

We are Plan4FinalExpenses ("Company," "we," "us," "our").

We operate, as well as any other related products and services that refer or link to these legal terms (the "Legal Terms") (collectively, the "Services").

You can contact us by email at [email protected] or by mail to Rich2Rich Enterprises LLC, 8565 S. Eastern, Las Vegas, Nevada 89123.

These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and Plan4FinalExpenses, concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.

Supplemental terms and conditions or documents that may be posted on the Services from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Legal Terms at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Legal Terms, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Legal Terms to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Legal Terms by your continued use of the Services after the date such revised Legal Terms are posted.

We recommend that you print a copy of these Legal Terms for your records.

TABLE OF CONTENTS

  1. OUR SERVICES
  2. INTELLECTUAL PROPERTY RIGHTS
  3. USER REPRESENTATIONS
  4. PROHIBITED ACTIVITIES
  5. USER GENERATED CONTRIBUTIONS
  6. CONTRIBUTION LICENSE
  7. SERVICES MANAGEMENT
  8. TERM AND TERMINATION
  9. MODIFICATIONS AND INTERRUPTIONS
  10. GOVERNING LAW
  11. DISPUTE RESOLUTION
  12. CORRECTIONS
  13. DISCLAIMER
  14. LIMITATIONS OF LIABILITY
  15. INDEMNIFICATION
  16. USER DATA
  17. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES
  18. MISCELLANEOUS
  19. CONTACT US

1. OUR SERVICES

We provide information, resources, and services related to final expense insurance and end-of-life planning. The Services include, but are not limited to, educational articles, insurance policy quotes, financial planning tools, and consultation services. All features, content, and services offered through the platform are subject to availability and may be modified or discontinued at our discretion without notice.

We do not guarantee that all information provided is up-to-date, and while we make every effort to ensure accuracy, it is your responsibility to verify the appropriateness of any decisions or actions based on the information obtained from our Services.

2. INTELLECTUAL PROPERTY RIGHTS

Unless otherwise indicated, the Services and all content therein, including but not limited to text, graphics, logos, videos, and audio clips, are the property of Plan4FinalExpenses or our licensors and are protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Services strictly in accordance with these Legal Terms. You may not reproduce, distribute, modify, create derivative works of, or otherwise exploit any of our content without prior written permission from us.

3. USER REPRESENTATIONS

By using the Services, you represent and warrant that:

  • You have the legal capacity and agree to comply with these Legal Terms.
  • You are at least 18 years of age or the legal age of majority in your jurisdiction.
  • All information you provide is accurate, current, and complete.
  • You will maintain the accuracy of such information and update it as necessary.
  • You will not use the Services for any unlawful or unauthorized purposes.
  • You will not access the Services through automated or non-human means (e.g., bots or scripts).
  • Your use of the Services will not violate any applicable law or regulation.

Failure to comply with these representations may result in the termination of your access to the Services.

4. PROHIBITED ACTIVITIES

You may not access or use the Services for any purpose other than that for which we make the Services available. As a user of the Services, you agree not to:

  • Engage in any unauthorized collection of personal data from users or harvest or collect information for unlawful purposes.
  • Use the Services to advertise or offer to sell goods and services not directly related to final expense insurance or end-of-life planning.
  • Interfere with, disrupt, or create an undue burden on the Services or the networks connected to the Services.
  • Circumvent, disable, or otherwise interfere with security-related features of the Services.
  • Engage in any form of automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering tools.
  • Impersonate another user or entity, or falsely represent your affiliation with a person or entity.
  • Use the Services in a manner inconsistent with any applicable laws or regulations.

5. USER GENERATED CONTRIBUTIONS

The Services may allow you to contribute content such as comments, feedback, or other material (collectively, "Contributions"). By submitting any Contribution, you grant Plan4FinalExpenses a worldwide, non-exclusive, royalty-free, perpetual, irrevocable license to use, reproduce, distribute, and publicly display your Contributions for any lawful purpose, without any further notice or compensation to you.

You agree that your Contributions will not violate the rights of any third party, including intellectual property, privacy, or any other personal or proprietary rights. We reserve the right to remove or modify any Contributions that we believe, in our sole discretion, violate these Legal Terms.

6. CONTRIBUTION LICENSE

By submitting Contributions to the Services, you affirm that you own or control all necessary rights to your Contributions, including but not limited to all copyright and other proprietary rights. You agree that your Contributions are non-confidential and non-proprietary.

We reserve the right to use, modify, or remove any Contributions at any time and for any reason, without notice or liability.

7. SERVICES MANAGEMENT

We reserve the right, but not the obligation, to monitor the Services for violations of these Legal Terms, to take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, and to terminate access to the Services at any time and for any reason.

We may, at our discretion, modify or discontinue any part of the Services at any time without notice, and you agree that we will not be liable to you or any third party for any modification, suspension, or discontinuance of the Services.

8. TERM AND TERMINATION

These Legal Terms shall remain in full force and effect while you use the Services. We may suspend or terminate your account and access to the Services at any time, without notice, for any violation of these terms or for any other reason deemed necessary in our discretion.

Upon termination, all licenses granted by you to us will be revoked, and you will lose access to any content or Services you had previously accessed.

9. MODIFICATIONS AND INTERRUPTIONS

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason, at our sole discretion, without notice. We are not liable for any inconvenience caused by service interruptions or modifications.

We cannot guarantee that the Services will always be available, and we are not responsible for any disruptions, delays, or data loss that may occur as a result of technical issues or routine maintenance.

10. GOVERNING LAW

These Legal Terms and your use of the Services are governed by and construed in accordance with the laws of the State of Nevada without regard to its conflict of law principles. Any disputes relating to the Services shall be subject to the exclusive jurisdiction of the state and federal courts located in Las Vegas, Nevada.

11. DISPUTE RESOLUTION

In the event of any dispute or claim arising out of or relating to these Legal Terms or the use of the Services, the parties shall first attempt to resolve the dispute informally. If the dispute cannot be resolved through informal negotiations, the matter shall be resolved through binding arbitration in Las Vegas, Nevada, under the rules of the American Arbitration Association.

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

12. CORRECTIONS

There may be information on the Services that contains typographical errors, inaccuracies, or omissions. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

13. DISCLAIMER

The Services are provided on an "as-is" and "as-available" basis. We disclaim all warranties, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Services will be uninterrupted, error-free, or secure, nor do we make any representations regarding the accuracy or reliability of any information contained within the Services.

14. LIMITATIONS OF LIABILITY

To the fullest extent permitted by applicable law, in no event shall Plan4FinalExpenses or its affiliates be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, or punitive damages arising from your use of the Services, even if we have been advised of the possibility of such damages.

Our total liability for any cause whatsoever shall not exceed the amount you paid, if any, for accessing the Services.

15. INDEMNIFICATION

You agree to indemnify and hold Plan4FinalExpenses, its affiliates, officers, directors, employees, and agents harmless from any claims, damages, liabilities, or expenses arising out of your use of the Services, your violation of these Legal Terms, or your infringement of any third party's rights.

16. USER DATA

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services. However, you acknowledge that we cannot guarantee the security of your data, and you agree that you transmit such data at your own risk.

You agree that we may use your data in accordance with our Privacy Policy, which governs the collection and use of personal information.

17. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

By using the Services, you consent to receive electronic communications from us. You agree that any agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing.

You hereby agree to the use of electronic signatures, contracts, orders, and other records and to electronic delivery of notices, policies, and records of transactions initiated or completed by us or via the Services.

18. MISCELLANEOUS

These Legal Terms constitute the entire agreement between you and Plan4FinalExpenses regarding the use of the Services. Our failure to enforce any right or provision of these Legal Terms shall not be deemed a waiver of such right or provision.

If any provision of these Legal Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

19. CONTACT US

If you have any questions regarding these Legal Terms, you may contact us at:

Plan4FinalExpenses
Email: [email protected]
Mail: Rich2Rich Enterprises LLC, 8565 S. Eastern, Las Vegas, Nevada 89123