Terms and Conditions

1. Who we are and what this site does

www.myfinalexpenserate.com (the “Site”) is owned and operated by Goldi Ventures LLC, a Florida limited liability company (“Goldi Ventures,” “we,” “us,” or “our”).

We are not an insurance company and we are not an insurance agent or agency. We do not sell, underwrite, or issue insurance policies, and we do not provide insurance, financial, tax, or legal advice. The Site is a marketing and referral service: we publish educational information about final expense and related insurance products and help connect you with licensed insurance agents and agencies (each an “Insurance Partner”) who can quote and sell coverage.

How we are paid. You never pay to use the Site. An Insurance Partner pays us when we connect you to them—for example, when you call a phone number on the Site, click through to an Insurance Partner’s website, or submit a quote request that we deliver to an Insurance Partner. Because we are paid by Insurance Partners, we have a financial interest in you contacting them. We do not endorse any particular Insurance Partner, carrier, or policy.

Exclusive referral. When you submit a quote request through the Site, we deliver it to a single Insurance Partner. We do not resell your quote request to multiple buyers. See our Privacy Policy for how we handle your information.

Not affiliated with any government agency. The Site, Goldi Ventures, and the Insurance Partners who may contact you are not connected with or endorsed by the United States government, the federal Medicare program, the Social Security Administration, or any state agency.

2. Agreement to these Terms

Our Privacy Policy explains our data practices, and any consent disclosure presented with a quote form governs the contact choices made there. Merely visiting the Site or placing a call does not, by itself, constitute consent to automated marketing calls or texts or an affirmative agreement to arbitrate disputes.

If you have a separate written agreement with us (for example, as an Insurance Partner or advertising partner), that agreement controls in the event of a conflict with these Terms.

3. Eligibility

The Site is intended for adults aged 18 or older who reside in the United States. By using the Site, you represent that you meet these requirements and that any information you provide is about yourself or about a person who has authorized you to act on their behalf. We do not knowingly collect information from anyone under 18.

4. Rate estimates, illustrations, and educational content

Any premium ranges, rate estimates, funeral cost figures, calculators, or coverage illustrations on the Site are general estimates for educational purposes only. They are not quotes, offers of coverage, or guarantees of any rate, and they are not issued by or on behalf of any insurance carrier.

Actual premiums depend on factors including your age, sex, state of residence, health history, tobacco use, coverage amount, and the specific carrier and product an Insurance Partner offers you. Only a licensed agent can provide a quote, and only a carrier can approve coverage and set your premium.

We work to keep Site content accurate and current, but we do not guarantee that any content is complete, error-free, or up to date. Insurance products, availability, and pricing change frequently and vary by state.

5. Contacting us and consent to be contacted

Calling an Insurance Partner. Phone numbers on the Site connect you to a licensed Insurance Partner, not to Goldi Ventures. Calls may be routed through a call-tracking platform we operate so we can measure the performance of the Site and compensate the Insurance Partner. Calls may be monitored and recorded by us, our service providers, and the Insurance Partner for quality, compliance, training, and verification purposes. By placing a call from the Site, you consent to this recording where permitted by law. If you do not wish to be recorded, please do not call.

Quote requests. If you submit a quote request, consent language is displayed next to the “Get Started” button before you click it. That language, not these Terms, describes the marketing calls, texts, and emails you agree to receive from Goldi Ventures and one or more of the licensed Insurance Partners listed on our Partners page, including contact made using automated technology or an artificial, AI-generated, or prerecorded voice, and explains how to revoke that consent. Your consent to marketing contact is not a condition of purchasing any goods or services, and you can be connected with a licensed insurance agent without giving it by calling (833) 528-7699. Message and data rates may apply to text messages.

Consent verification. To document your consent, we use independent third-party consent verification services (such as ActiveProspect TrustedForm and Jornaya LeadiD) that record your interaction with our quote form. See our Privacy Policy for details.

Email. By providing your email address, you agree to receive email from us related to your quote request. You may unsubscribe from marketing email at any time using the link in any message.

6. Your responsibilities

You agree to:

• Provide accurate, current, and complete information, and not submit information about another person without their authorization.
• Use the Site only for its intended personal, non-commercial purpose of learning about and requesting insurance quotes.
• Not use automated tools (bots, scrapers, crawlers) to access the Site or collect content, phone numbers, or data from it.
• Not submit fraudulent, test, or fictitious quote requests or place calls for any purpose other than seeking insurance information for yourself or an authorized person.
• Not interfere with, probe, or attempt to bypass the security or operation of the Site, its forms, or its tracking or consent technologies.
• Not copy, reproduce, republish, or create derivative works from Site content except for your own personal use.

We may suspend or block access to the Site, and refuse to process any request, at our discretion.

7. Intellectual property

The Site and its content—including text, graphics, logos, page designs, calculators, and the compilation of all of them—are owned by Goldi Ventures or its licensors and are protected by copyright, trademark, and other laws. “www.myfinalexpenserate.com” and associated logos are trademarks of Goldi Ventures LLC. Names and logos of carriers and Insurance Partners belong to their respective owners and are used for identification only. You may view and print Site pages for personal use, provided you keep all proprietary notices intact.

8. Third-party websites and Insurance Partners

The Site contains links to Insurance Partner and carrier websites and other third-party sites. When you click through, you leave the Site and are subject to the other site’s terms and privacy policy. We do not control and are not responsible for the content, accuracy, practices, quotes, products, or conduct of any third party, including any Insurance Partner. Any dispute regarding a quote, application, policy, or communication from an Insurance Partner is between you and that Insurance Partner.

9. Disclaimer of warranties

10. Limitation of liability

11. Indemnification

You agree to defend, indemnify, and hold harmless the Goldi Parties from any claims, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of your violation of these Terms, your misuse of the Site, or information you submit that is inaccurate or that you were not authorized to provide.

12. Dispute resolution and arbitration

Application and informal resolution. This Section 12 applies only if you affirmatively accept these Terms through a clearly labeled action that refers to them. Merely visiting the Site, placing a call, or following a link does not constitute acceptance of this arbitration agreement. Before filing a claim covered by this Section, please contact us at privacy@comms1.com, describe the dispute, and give us 30 days to try to resolve it.

Binding arbitration. If we cannot resolve the dispute informally, you and Goldi Ventures agree that any dispute arising out of or relating to the Site or these Terms will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court. The arbitration will take place in Hillsborough County, Florida or by telephone or video conference at your election. The Federal Arbitration Act governs this section.

Exceptions. Either party may bring an individual claim in small claims court, or seek injunctive relief in court to protect intellectual property.

30-day opt-out. If you affirmatively accept these Terms, you may opt out of this arbitration agreement within 30 days after that acceptance by emailing privacy@comms1.com with your name, contact information, and a clear statement that you opt out of arbitration. Opting out does not affect the rest of these Terms.

13. Governing law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except to the extent the Federal Arbitration Act applies. Subject to Section 12, any court proceeding will be brought in the state or federal courts located in Hillsborough County, Florida.

14. Changes to these Terms

We may update these Terms from time to time. The “Last updated” date at the top shows when the current version took effect. Material changes will be posted on this page at least 14 days before they take effect, where practicable. Posting revised Terms or continued use of the Site alone will not establish acceptance of a new or materially revised arbitration agreement; we will seek affirmative acceptance where required. We keep archived versions of these Terms and can provide the version in effect on any given date on request.

15. Language

The Site may offer content and calls-to-action in Spanish. If we present a contact-consent disclosure in Spanish, that disclosure governs the permission given through the Spanish-language form; an English version will not expand that permission. We will correct any material inconsistency between language versions.

16. Accessibility

We are committed to making the Site usable by people of all abilities and design to WCAG 2.2 Level AA. If you have difficulty using any part of the Site, please contact us at privacy@comms1.com or (833) 528-7699 and we will work with you to provide the information or service you need.

17. General

If any provision of these Terms is found unenforceable, the remaining provisions remain in effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets. These Terms address use of the Site. Our Privacy Policy describes our data practices, and any contact consent you give through a quote form is governed by the disclosure presented with that form.

18. Contact us