Terms & Conditions

1. Introduction

Welcome to ExpenseQuote.com. By accessing or using this website, you agree to be bound by these Terms & Conditions. This website operates as a marketing and lead generation platform connecting consumers seeking final expense insurance information with licensed insurance agents, agencies, and marketing partners.

2. Lead Generation & Service Model

ExpenseQuote.com does not directly sell insurance products. We generate and forward consumer inquiries (“leads”) to licensed third-party insurance providers, agencies, and call centers.

• Leads may be sold, shared, or distributed to multiple partners
• Consumers may be contacted by phone, SMS, email, or automated systems
• We do not guarantee quotes, approvals, or insurance coverage

3. TCPA Consent (Telephone Consumer Protection Act - USA 2026)

By submitting your information on this website, you provide express written consent to be contacted.

• Calls may be placed using live agents, prerecorded messages, or AI-assisted dialing systems
• Contact may occur even if your number is on a National Do Not Call Registry
• You agree to receive calls and SMS messages regarding final expense insurance
• Consent is not a condition of purchase

4. SMS & Email Communication Consent

You consent to receive automated text messages and emails related to your inquiry.

• Message frequency may vary
• Message and data rates may apply
• You may opt out at any time by replying “STOP” to SMS messages
• Email opt-out links will be included in every communication

5. Data Use & Privacy

We collect personal information including name, phone number, email, and other relevant details to match you with insurance providers.

• Your data may be shared with licensed third-party partners
• We may use cookies, tracking pixels, and affiliate tracking scripts
• We do not sell sensitive personal data outside of marketing purposes

6. Affiliate & Tracking Disclosure

This website may use affiliate tracking parameters such as click IDs, sub IDs, and conversion tracking tools to attribute leads to marketing partners.

• Affiliate IDs may be stored in cookies or URL parameters
• Tracking is used for performance measurement and attribution

7. Call Recording & Consent

Calls with insurance providers or call centers may be recorded for quality assurance and compliance purposes. By using this site, you acknowledge and consent to such recording where legally permitted.

8. No Guarantee Disclaimer

ExpenseQuote.com does not guarantee eligibility, approval, pricing, or insurance coverage. All final decisions are made by licensed insurance providers.

9. Limitation of Liability

We are not responsible for any damages, losses, or outcomes resulting from interactions with third-party insurance providers, agents, or call centers.

10. Compliance & Legal Jurisdiction

This website is intended for use within the United States and complies with applicable federal regulations including FTC advertising standards, CAN-SPAM Act, and TCPA guidelines as of 2026.

Any disputes shall be governed by applicable U.S. federal law and/or the laws of the state in which the marketing entity is registered.

11. Updates to Terms

We reserve the right to update or modify these Terms & Conditions at any time without prior notice. Continued use of the website constitutes acceptance of any changes.

12. Contact Information

For questions regarding these Terms & Conditions, please contact us via the support channels provided on ExpenseQuote.com.