Terms & Conditions

Terms and Conditions

Acceptance of Terms

IMPORTANT! PLEASE READ CAREFULLY. THIS IS A CONTRACT. BY USING THIS WEB SITE AND THE SERVICES OFFERED ON THIS WEBSITE, YOU ACCEPT ALL TERMS AND CONDITIONS OF THIS AGREEMENT. YOUR ACCESS AND USE OF THE WEB SITE CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH BELOW. If you disagree with any of the terms that follow, or do not agree to be bound by all such terms, do not use this website or any of its related services.

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About This Site:

This Website (hereinafter “the Site” or “this Site”) is part of Final Expense Nation, eClick "Insured with a Click" and Insured in 10.com. (For practical purposes (Final Expense Nation will be used as a collective name for all parties going forward.  Final Expense Nation is an online service provider, specializing in providing insurance quotes and connecting insurance shoppers with professionals and our marketing partners who can assist them.

 

Final Expense Nation (F.E.N.) does not endorse any particular insurance plan, provider, or agent. Any information provided about any particular insurance plan, provider, or agent shall not be construed as an endorsement by F.E.N.   F.E.N. is not operated, affiliated, nor endorsed by any government agency.

 

Personal and Noncommercial Use Limitation

In order to use the Services, you must be at least 18 years of age. In consideration of your use of the Services, you agree to provide true, accurate and current information about yourself as prompted by the required registration forms. This Site is for your personal, noncommercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or service found on or obtained from the Site; provided that you may download, reproduce, and re transmit F.E.N. Information solely for non-commercial purposes within your organization. With the exception of the foregoing limited authorization, no license or right in any copyright of F.E.N. or any other party is granted or conferred to you.

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The Site is provided on an “as is” basis without warranties of any kind, either express or implied, including but not limited to warranties of title or implied warranties of merchant-ability, fitness for a particular purpose, or non-infringement, other than those warranties which are imposed by and incapable of exclusion, restriction or modification under the laws applicable to this agreement. YOUR USE OF THIS SITE IS AT YOUR OWN RISK. IN NO EVENT SHALL One United Global, ITS AGENTS, REPRESENTATIVES OR LICENSORS be liable for any LOSS OR INJURY OR ANY damages, either direct, indirect, punitive, special, incidental, consequential or otherwise, resulting from, or in any way connected to, the use of this Site OR ANY One United Global INFORMATION, in each case regardless of whether such damages are based on contract, tort, strict liability, or those other theories of liability. Some jurisdictions do not allow the exclusion of implied warranties or consequential or incidental damages, so portions of the above-referenced exclusions may not directly apply to you. YOU HEREBY WAIVE ANY AND ALL CLAIMS AGAINST F.E.N., ITS AGENTS, REPRESENTATIVES AND LICENSORS ARISING OUT OF YOUR USE OF THE SITE OR ANY OTHER One United Global INFORMATION.

 

Copyright and Proprietary Rights Information

The Site may contain technical inaccuracies or typographical errors or omissions. F.E.N. reserves the right to make changes, corrections and/or improvements to the Site, and to the products and programs described in such information, at any time without notice.

 

This Site contains and references trademarks, patents, trade secrets, technologies, products, processes or other proprietary rights of The Modern Insurance Store. No license or right to or in any such trademarks, patents, trade secrets, technologies, products, processes and other proprietary rights of F.E.N. and/or other parties is granted to or conferred upon you.

 

Available Services

The purpose of the Site is to provide consumers with ability to receive comparative insurance quotations from a network of insurance agents, brokers and other licensed insurance providers (hereinafter “Providers”), based on the information you have provided. These Providers may have one or numerous companies with from which they will provide you with quotes. Once you have provided us with the information needed, by sufficiently completing an appropriate online form, we will refer that information to these Providers, who may then contact you directly if they are able to provide you with a quotation for insurance coverage. From time to time these Providers may ask for additional information they may need to obtain an accurate quote. In the event that we do not have sufficient participation on our network in your area, you may receive less than five offers.

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We do not guarantee that any of the Providers to whom we may forward your information will contact you or agree to provide you coverage. We are not responsible in any way, for the conduct of the Providers to whom we forward your insurance quotation requests. If you need personal advice, explanation of coverage, assessment of needs or specific policy recommendations, consult with a licensed insurance agent, broker, or other qualified professional.