These Terms & Conditions ("Terms") govern your use of FinalExpenseMarket.net ("Website"). By accessing or using this Website, you agree to these Terms.
1. Website Purpose
Final Expense Market is operated by ApexCRM.ai, Inc., a California corporation.
FinalExpenseMarket.net is a marketing and educational website designed to provide information regarding final expense insurance and related life insurance products and services.
Insurance products and services are offered through Francisco Brenes, California Insurance License #0M14655, NPN #7616545.
ApexCRM.ai, Inc. provides marketing, CRM, automation, and communication technology infrastructure only and is not a licensed insurance agency, broker, or insurance producer.
Final Expense Market is privately operated and is not affiliated with, endorsed by, or operated by any government agency, mortgage lender, bank, or loan servicer.
Insurance products may not be available in all states.
2. No Guarantee of Coverage or Approval
Submitting information through this Website does not guarantee:
Insurance eligibility
Approval
Coverage issuance
Specific rates or pricing
Product availability
All insurance applications remain subject to carrier underwriting guidelines, state availability, and approval.
3. Consent to Communications
By submitting your information through this Website, you expressly consent to receive communications from Francisco Brenes, licensed agents, and representatives acting on his behalf through:
Phone calls
Text messages (SMS/MMS)
Emails
Artificial or prerecorded voice technology
Automated telephone dialing systems
These communications may relate to final expense insurance products, related life insurance products, appointment scheduling, and follow-up communications.
Consent is not required as a condition to purchase goods or services.
Message and data rates may apply.
Reply STOP to opt out of SMS communications.
4. User Responsibilities
You agree that:
All information submitted is accurate and truthful
You are at least 18 years old
You will not misuse this Website
You will not attempt unauthorized access to systems, data, or services
5. Intellectual Property
All Website content, branding, graphics, text, logos, designs, and materials are protected by applicable intellectual property laws and may not be copied, reproduced, distributed, modified, or used without prior written permission.
6. No Financial, Legal, or Tax Advice
Information provided on this Website is for general informational and educational purposes only and should not be considered legal, tax, investment, or financial advice.
Users should consult qualified professionals regarding their individual situations.
7. Limitation of Liability
To the maximum extent permitted by law, Final Expense Market, ApexCRM.ai, Inc., and Francisco Brenes shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from:
Use of this Website
Reliance on information provided
Communication delays or interruptions
Third-party platform failures
Insurance application or underwriting decisions
Carriers are not liable for delayed or undelivered messages
8. Third-Party Services
This Website may utilize or integrate third-party platforms and services including, but not limited to:
CRM platforms
Communication providers
Analytics providers
Advertising platforms
Payment processors
Scheduling systems
We are not responsible for interruptions, inaccuracies, errors, or failures caused by third-party systems or providers.
9. Privacy Policy
Use of this Website is also governed by our Privacy Policy.
10. Modifications
We reserve the right to modify or update these Terms at any time without prior notice. Continued use of the Website constitutes acceptance of any revised Terms.
11. Governing Law
These Terms shall be governed by and interpreted under the laws of the State of California, without regard to conflict of law principles.
12. Data Sharing
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted.
13. Contact Information
Francisco Brenes California Insurance License #0M14655 NPN #7616545