Terms of Service
Effective Date: [Insert Date]
Welcome to In My Final Words (“we,” “us,” or “our”). These Terms of Service (“Terms”) govern your use of our website, services, and related offerings, including the delivery of a personal message upon the payment of a final expense insurance policy. By accessing or using our website or services, you agree to these Terms.
Please read them carefully.
To use our services, you must be at least 18 years old and legally capable of entering into a binding agreement. By using the website, you represent that you meet these requirements.
We offer final expense insurance policies through licensed agents. As a unique feature, we also allow policyholders to create and store a personal message that will be delivered to their designated recipient(s) upon claim approval and policy payout.
Policyholders may record or write a personal message during or after policy enrollment. By submitting a message:
We take your privacy seriously. All personal data, including your message and beneficiary information, is handled in accordance with our Privacy Policy and applicable privacy laws (such as HIPAA and state insurance regulations).
You agree to use our site only for lawful purposes. You may not:
All insurance policies are subject to underwriting and approval by a licensed insurance carrier. Submission of an application does not guarantee coverage. Terms, coverage amounts, and eligibility vary by state and insurer.
It is your responsibility to:
We reserve the right to suspend or terminate your access to the website or services at our discretion if you violate these Terms or engage in unlawful or abusive behavior.
To the fullest extent permitted by law, In My Final Words shall not be liable for:
Any disputes arising from these Terms or your use of our services will be resolved through binding arbitration, in accordance with the laws of [Your State], unless prohibited by law.
We reserve the right to update these Terms at any time. Continued use of the website or services after changes are posted constitutes your acceptance of the revised Terms.
For questions about these Terms or your policy, please contact:
In My Final Words
Email: [kens@inmyfinalwords.com]
Phone: [(951) 414-9237]
Effective Date: [Insert Date]
In My Final Words(“we,” “our,” “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services or visit our website.
We collect the following types of information:
We use your data to:
Your message will remain private and secure until it is released to the designated recipient(s) after claim verification and approval. Only authorized staff with a legitimate need will have access before that time.
We do notsell your information. We may share your data with:
We implement physical, electronic, and procedural safeguards to protect your data, including:
Depending on your location, you may have the right to:
To exercise these rights, contact us at [Insert Contact Email].
We retain your personal information and message content for as long as your policy is active or as needed to fulfill legal obligations.
Our services are not intended for children under 13. We do not knowingly collect information from minors without verified parental consent.
We may update this Privacy Policy periodically. We will notify you of significant changes via email or website notice.
If you have questions about this policy, please contact:
In My Final Words
Email: [Insert Email]
Phone: [Insert Phone Number]
To ensure your final message reflects your wishes respectfully and legally, we provide the following guidelines:
Would you like these formatted for a printable PDF or webpage layout? I can also help you add a digital message upload system or secure portal copy if you're building the site.
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