Privacy Policy

Last updated: July 16, 2026

Final Expense Agency ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Request a quote or information about our services
• Fill out forms on our website
• Contact us via phone, email, or chat
• Subscribe to our newsletter
• Apply for insurance coverage

This information may include:

• Name and contact information (address, phone number, email)
• Date of birth and age
• Health information (for insurance applications)
• Financial information (for coverage determination)
• Beneficiary information

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and usage, including:

• IP address and location data
• Browser type and version
• Pages visited and time spent on our site
• Referring website
• Device information

How We Use Your Information

We use the information we collect to:

• Provide insurance quotes and recommendations
• Process insurance applications
• Communicate with you about our services
• Improve our website and services
• Comply with legal and regulatory requirements
• Send marketing communications (with your consent)
• Prevent fraud and ensure security

Information Sharing and Disclosure

Insurance Companies

We share your information with insurance companies to obtain quotes and process applications. These companies are bound by their own privacy policies and insurance regulations.

Service Providers

We may share information with third-party service providers who assist us in:

• Website hosting and maintenance (including Cloudflare Pages)
• Insurance quoting and e-application platforms (including BackNine / QuoteAndApply)
• Form and lead delivery services (including our secure lead intake endpoint)
• Email marketing services
• Customer relationship management
• Analytics and reporting
• Payment processing

When you request a quote on our site, relevant details (such as name, date of birth, health and smoker status, coverage amount, and state) may be transmitted securely through our edge proxy to BackNine to generate carrier quotes. Contact and lead forms may be processed by our secure lead intake endpoint. Each provider processes data under their own privacy policy and applicable insurance or data-protection rules.

Legal Requirements

We may disclose your information when required by law, regulation, or legal process, or to protect our rights, property, or safety.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• SSL encryption for data transmission
• Secure servers and databases
• Access controls and authentication
• Regular security assessments
• Employee training on data protection

Your Rights and Choices

Access and Correction

You have the right to access and correct your personal information. Contact us to request access to or correction of your data.

Marketing Communications

You can opt out of marketing communications by:

• Clicking the unsubscribe link in emails
• Contacting us directly
• Updating your preferences on our website

Do Not Track

Our website does not respond to Do Not Track signals. You can control tracking through your browser settings and third-party tools.

Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences
• Analyze website traffic and usage
• Provide personalized content
• Improve our services

You can control cookies through your browser settings, but disabling cookies may affect website functionality.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18.

State-Specific Rights

California Residents

Under the California Consumer Privacy Act (CCPA), California residents have additional rights including:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

Other State Rights

Residents of other states may have additional privacy rights under applicable state laws. Contact us for information about your specific rights.

International Users

Our services are primarily intended for U.S. residents. If you are accessing our website from outside the United States, please be aware that your information may be transferred to and processed in the United States.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date.

Contact Information

Effective Date

This Privacy Policy is effective as of January 1, 2026, and applies to all information collected by Final Expense Agency.