1. ACCEPTANCE OF TERMS OF USE

Please review these Terms of Use (together with our Privacy Policy, the "Agreement").

FS Leads, LLC ("FS Leads," "we" or "us") is the owner and operator of the fs-leads.com website (together with all content, tools, and services provided on or in connection with such website, the "Website"). You must be a resident of the United States (including its territorial possessions) and at least eighteen (18) years of age to access and use the Website. By accessing, browsing or using this Website, or any page thereof, or by using the tools, forms or services offered in or through the Website, you accept and agree to be legally bound by these Terms of Use and the Agreement. THIS AGREEMENT CONTAINS AN AGREEMENT TO ARBITRATE ALL CLAIMS AND CONTAINS DISCLAIMERS OF WARRANTIES AND LIABILITY (please see Section 8). If you do not agree to these terms and conditions, you are not authorized to access or use the Website. For purposes of this Agreement, "you" or "your" means the person(s) using the Website and/or any tools, forms or services offered in or through the Website.

FS Leads, LLC shall have the right at any time to change or discontinue any aspect or feature of the Website and the right to modify the terms and conditions applicable to users of the Website, including these Terms of Use. Such changes shall be effective immediately upon posting on the Website. When we post changes to these Terms of Use or our Privacy Policy, we will revise the "last updated" date at the top of the applicable document. Any continued use of the Website following such posting shall constitute acceptance of such changes.

2. PRIVACY POLICY

Please review our Privacy Policy, which is hereby incorporated by reference into this Agreement, for detailed information about our policies and practices applicable to the information that is collected through the Website or received directly from you, including the sharing of such information with third parties and its use for advertising and other purposes. By accessing or using the Website, you consent to the collection, storage, use and disclosure of your information as described in the Privacy Policy.

3. MATCHING TOOLS AND SERVICES

Our Website provides tools and services to help you find final expense life insurance coverage or quotes for coverage, all of which are provided by third parties unaffiliated with FS Leads, LLC (collectively, "Insurers"). "Insurers" includes insurance companies, FS Leads' marketing partners, and affiliates or finders working on behalf of insurance companies, with whom we may share your information (as described in our Privacy Policy) for the purpose of enabling you to find coverage. You may be able to access these products and services when you complete a request or submit your zip code or other information and either (i) get matched with potential Insurers who will respond with quotes or conditional offers for products or services, or (ii) get provided with the name and information about potential Insurers who may be able to respond with the requested products or services.

Although FS Leads, LLC is compensated by its network of Insurers when we display advertisements for their products to you and/or when you respond to a quote or offer for insurance from an Insurer on our Website, FS Leads, LLC is not a provider of insurance, is not acting as an Insurer or broker, and does not make any decisions in connection with the underwriting or offering of any insurance products. Any compensation from Insurers is payment for FS Leads, LLC's services, tools, and facilities. Your use of the Website and/or FS Leads, LLC's services constitutes your agreement with this compensation arrangement.

FS Leads, LLC does not endorse or recommend the products of any particular Insurer. Nor is FS Leads, LLC an agent of you or any Insurer. Our services are only administrative. You should rely on your own judgment in deciding which available insurance policy or other product, terms and Insurer best suits your needs and financial means. The Insurer is solely responsible for its products and services, and you agree that FS Leads, LLC shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such products or services.

FS Leads, LLC is not responsible for any errors or delays in responding to a request caused by an incorrect email address provided by you or other technical problems beyond our reasonable control.

The Website and the products and services provided or advertised on the Website may not be available in all states. Insurers are not attempting to offer insurance outside of their authorized states by participating in and offering their products on the Website.

The information provided by FS Leads, LLC whether on this website or discussed during any call does not represent a guarantee of coverage or specific payment. All insurance plans are subject to the terms, conditions, and limitations of the specific policy issued, including eligibility, exclusions and limitations, and medical necessity requirements.

The data and other information you may provide FS Leads, LLC is not, and is not treated as, an application for insurance or a request to be pre-approved or pre-qualified.

FS Leads, LLC does not guarantee acceptance into any particular insurance program or specific terms or conditions with any Insurer; insurance approval standards are established and maintained solely by individual Insurers. FS Leads, LLC does not charge you a fee for its service in matching you with Insurers.

4. TCPA CONSENT AND COMMUNICATIONS

By providing your telephone number in any submission on fs-leads.com's webpages, you are providing your express written signature consent to receive calls, emails, postal mail, text messages, and other forms of communication from FS Leads, LLC and its network of insurance partners, including calls made with an automatic telephone dialing system or prerecorded voice to the wireless or residential telephone number you provided, even if you are on a state or federal Do Not Call registry. You acknowledge and understand that your wireless carrier may impose charges for these calls or texts, and that consent to receive communications is not a condition of purchase. You may revoke your consent at any time by contacting us at info@fs-leads.com.

By including your email in any submission, you are extending an express invitation to each Insurer you have been matched with to contact you by email at any email address you provided. For any service, you represent that all of the information you have provided in your submission is true and complete.

By submitting information on an insurance request form or similar form, you authorize us to provide such information to Insurers in order to help you complete your request. Additionally, by submitting a request for insurance, you authorize the Insurers to verify the accuracy and authenticity of all information supplied by you, both internally and with the assistance of unaffiliated third parties.

5. INTELLECTUAL PROPERTY

Unless otherwise stated, FS Leads, LLC and/or its licensors own the intellectual property rights for all material on fs-leads.com. All intellectual property rights are reserved. You may access content from fs-leads.com for your own personal use subject to restrictions set in these Terms of Use.

You must not republish, sell, rent, sub-license, reproduce, duplicate, copy or redistribute content from fs-leads.com without prior written permission.

6. DISCLAIMER OF WARRANTIES

THE WEBSITE AND ALL CONTENT, TOOLS AND SERVICES PROVIDED ON OR THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. FS LEADS, LLC DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. FS LEADS, LLC DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE.

7. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FS LEADS, LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE WEBSITE OR ANY CONTENT, TOOLS OR SERVICES PROVIDED ON OR THROUGH THE WEBSITE.

8. DISPUTE RESOLUTION

This Agreement shall be governed by and construed in accordance with the laws of the United States of America and the State of Wyoming, without regard to conflict of law principles. Should a dispute arise concerning the terms and conditions of this Agreement or any products or services provided by FS Leads, LLC, the parties agree to submit their dispute for resolution by arbitration before the American Arbitration Association, in accordance with the then-current Commercial Arbitration Rules of the American Arbitration Association. Any award rendered shall be final and conclusive to the parties and a judgment thereon may be entered in any court of competent jurisdiction. Nothing herein shall be construed to preclude any party from seeking injunctive relief in order to protect its rights pending arbitration or to protect its intellectual property.

To the extent permitted by law, you agree that you will not bring, join or participate in any class action lawsuit as to any claim, dispute or controversy that you may have against FS Leads, LLC, its affiliates and/or their respective employees, officers, directors, members, managers, shareholders, representatives and assigns. If any provision contained in this Agreement is determined to be invalid, illegal or unenforceable in any respect under any applicable law, then such provision will be severed and replaced with a new provision that most closely reflects the original meaning while conforming to applicable law, and the remaining provisions of the Agreement will remain in full force and effect.

Should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and FS Leads, LLC, the parties agree that jurisdiction over and venue of any suit shall be exclusively in the State of Wyoming.

9. CONTACT US

FS Leads, LLC
info@fs-leads.com
https://fs-leads.com