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Final Funds Now

Protecting Families with Affordable Life Insurance Solutions

Peace of Mind for You and Your Loved Ones

At Final Funds Now, we understand the importance of protecting your family's future. We specialize in helping individuals and families find affordable life insurance and final expense coverage that fits their needs and budget.

Our mission is to make life insurance accessible to everyone, with guaranteed acceptance options that don't require medical exams or complicated paperwork.

Guaranteed Acceptance

No medical exam required. Get approved regardless of your health conditions with our guaranteed acceptance plans.

Affordable Coverage

Find plans that fit your budget with rates that never increase as long as premiums are paid on time.

Fast & Easy Process

Get your quote in minutes and speak with licensed insurance agents who can guide you through every step.

Family Protection

Ensure your loved ones won't have to worry about funeral costs or financial burdens during difficult times.

Trusted Partners

We work with recognized insurance carriers to provide you with reliable coverage options you can trust.

Expert Support

Licensed insurance agents are available to answer your questions and help you find the right plan.

Ready to protect your family?

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Privacy Policy Terms & Conditions Contact

© 2025 Final Funds Now. All rights reserved.

Neither the U.S. Government, nor any state agency is affiliated with or endorses this company or its representatives.

Privacy Policy

Last updated May 8, 2025

Our website address is: https://finalfundsnow.com.

This Privacy Policy describes the information that Final Funds Now ("Final Funds Now," "we," "our," or "us") collects, how we use this information, with whom we share it, and the choices you have in connection with this. This Privacy Policy applies to Final Funds Now-owned websites (the "Website"), and any other electronic or digital products or services made available by Final Funds Now that link to this Policy (collectively, the "Services").

Information Colletion and Use

Through your use of the Services, we'll collect personal information, which is information that identifies you or relates to you as an identifiable individual. We collect personal information directly and automatically as outlined below.

1. Information Collected Directly from You

When you engage with certain Services, we'll collect your personal information. Except as otherwise indicated, the personal information we collect is such that we need to carry out the requested action. If you don't provide us with your personal information, we won't be able to do so. We collect personal information when you:

  • Complete the “Get Started” form on our Website: When you complete the “Get Started” form on our Website, we collect from you, your personal identifiers (name, email address, telephone number, physical address, gender, DOB), type of insurance, and any other information you choose to include. We use this personal information to communicate with you regarding your request and other services that may be of interest to you, and share your information with relevant third parties that can help you with your project. If you consent (opt in) to receive promotional text messages to your cellular telephone number, we'll use your cellular telephone number to send you automated promotional text messages. Message and data rates may apply. You may reply “STOP” to any promotional text message to stop us from sending you future promotional text messages, or “HELP” for further assistance. Your agreement to receive promotional text messages isn't a condition of any purchase from us. If you provide your postal address to us through our Website, you may receive periodic mailings from us. You may also receive mailings from other reputable companies.
  • Use the search function on the Website: When you use the search functionality on the Website, we'll collect any information you decide to include in the search field. We'll use this information to query our internal library of resources to identify relevant articles to your search term(s).
  • Contact us: When you contact us through the Services, we collect from you, your personal identifiers (name, email address, telephone number) and any other information you choose to include in your correspondence. We use this personal information to respond to your questions or inquiries, troubleshoot where necessary, and address any issues you may have.
  • Subscribe to marketing emails: If you subscribe to our marketing emails, we'll collect from you, your email address to fulfill your request to receive information we feel may be of interest to you. You can unsubscribe at any time by clicking on the “unsubscribe” link in each email. Please note that we'll continue to send you notifications necessary to the Services or requested products or services. Our communications may contain email tracking technologies to gain valuable insight into behavior of recipients. With the help of these technologies, we can analyze whether a predefined action took place by a recipient, such as opening our communications, in order to better adapt and distribute our communications. When you opt-in to our marketing communications, you're opting into the use of these technologies. You can disable tracking by disabling the display of images by default in your email program. If you provide your postal address to us through our Website, you may receive periodic mailings from us. You may also receive mailings from other reputable companies.
  • Participate in a survey, promotion, or contest: If applicable, when you complete a form to participate in a survey, promotion, or contest, we collect your personal identifiers (name, physical address, telephone number, and email address). We use this personal information to communicate with you regarding the promotion or contest, or analyze your feedback or survey responses to improve our Services. If you haven't opted out of this when submitting your information, we also use your name and email address to send you marketing communications we feel may be of interest to you. You may unsubscribe at any time by clicking on the “unsubscribe” link at the bottom of each email.

Final Funds Now may also use the personal information we collect as described in this section to comply with the law, to efficiently maintain our business, and for other limited circumstances as described in the How We Share Your Personal Information section of this Policy.

2. Information Collected Automatically

In addition to the personal information you provide, we also collect information automatically via cookies or other tracking technologies as you use the Services.

We may automatically capture information concerning your interaction with the Services using third-party software embedded in the script of the Services to better understand your interactions with the Services and/or for our compliance verification purposes. Specifically, we'll automatically collect from you your internet and other electronic network activity information including IP address, device type (i.e. make and model), unique device identification numbers, browser-type, time zone settings, broad geographic location (e.g. country or city-level location) and other technical information as well as keystrokes, mouse movements, and your interactions with the Services.

The information collected via cookies includes the following internet and other electronic network activity information:

  • Usage information: We use essential, performance, and analytics cookies to collect information about your interaction with our Services, such as what you access, what you click on, the frequency of access, and how much time you spend on the Services. We use this information to: (i) track you within the Services; (ii) enhance user experience; (iii) conduct analytics to improve the Services; (iv) prevent fraudulent use of the Services; and (v) diagnosis and repair Services errors, and, in cases of abuse, track and mitigate the abuse.
  • Usage information: We use essential, performance, and analytics cookies to collect information about your interaction with our Services, such as what you access, what you click on, the frequency of access, and how much time you spend on the Services. We use this information to: (i) track you within the Services; (ii) enhance user experience; (iii) conduct analytics to improve the Services; (iv) prevent fraudulent use of the Services; and (v) diagnosis and repair Services errors, and, in cases of abuse, track and mitigate the abuse.
  • Device information: We use essential, performance, and analytics cookies to collect certain information about the device you use to access the Services, such as hardware model, operating system, and device preferences. We use this information to: (i) track you within the Services; (ii) enhance user experience; (iii) conduct analytics to improve the Services; (iv) prevent fraudulent use of the Services; and (v) diagnosis and repair Services errors, and, in cases of abuse, track and mitigate the abuse.
  • Location information: We use essential, performance, and analytics cookies to collect information about your location, which may be determined through your IP address. We use this information to: (i) track you within the Services; (ii) enhance user experience; (iii) conduct analytics to improve the Services; (iv) prevent fraudulent use of the Services; and (v) diagnosis and repair Services errors, and, in cases of abuse, track and mitigate the abuse.

    • Particular cookies to note on the Services include:

    • Google Analytics: We use Google Analytics to conduct analytics. In doing so, Google Analytics may set cookies on your browser, or read cookies that are already there. Google Analytics may also receive information about you from applications that partner with Google that you've previously downloaded. We don't combine the information collected through the use of Google Analytics with personally identifiable information. Google will use and share the information collected through Google Analytics in accordance with its Terms of Use and Privacy Policy. To opt out, you can download the Google Analytics opt-out browser add-on. To opt out of this cookie, follow the instructions in the Your Information Choices section of this Policy or visit Do Not Sell My Personal Information.
    • Google Ads: We use Google Ads to deliver advertisements to you and to track whether you've interacted with an advertisement we've placed elsewhere on the internet. Google Ads stores a conversion tracking cookie on your device when you click on our advertisement. The information obtained through the cookie is used to generate statistics and allows us to see the total number of users who clicked on our advertisements. We also use Google Ads to present to users of our Website advertisements across the internet and within the Google advertising network based on their visits to our Website. For more information, please review Google's privacy policy. To opt out of targeted advertising by Google, you can go to Google's ad settings. To opt out of this cookie, follow the instructions in the Your Information Choices section of this Policy or visit Do Not Sell My Personal Information.
    • Google Ad pixel: We use Google AdWords Pixel to customize our advertising and to serve you ads based on your browsing behavior. This allows your behavior to be tracked after you've been redirected to our website. The global site tag is a web tagging library for Google's site measurement, conversion tracking, and remarketing products. It's a block of code that adds you to remarketing lists. For more information, please review Google's privacy policy. To opt out of targeted advertising by Google, you can go to Google's ad settings. To opt out of this cookie, follow the instructions in the Your Information Choices section of this Policy or visit Do Not Sell My Personal Information.
    • Facebook pixel: We use Facebook Pixel to customize our advertising and to serve you ads on your social media based on your browsing behavior. This allows your behavior to be tracked after you've been redirected to our Website by clicking on the Facebook ad. The Facebook Pixel stores a cookie on your device to enable us to measure the effectiveness of Facebook ads for statistical and market research purposes. We don't have access to the information collected through the Facebook Pixel. However, the information collected via the Facebook Pixel is also stored and processed by Facebook. Facebook may link this information to your Facebook account and also use it for its own promotional purposes in accordance with Facebook's Data Usage Policy. The Facebook Pixel also allows Facebook and its partners to show you advertisements on and outside of Facebook. You can opt out of displaying Facebook ads and sharing by visiting your Facebook Ad Settings, and you can clear and control the information third parties share with Facebook in your Off-Facebook Activity page. If you don't have a Facebook account, you can opt out of Facebook ads through the Digital Advertising Alliance. To opt out of this cookie, follow the instructions in the Your Information Choices section of this Policy or visit Do Not Sell My Personal Information.
    • Google Tag Manager: Google Tag Manager is a tag management system to manage tags used for tracking and analytics on our Website. Tags are small code elements that, among other things, are used to manage traffic and visitor behavior and to test and optimize websites. We utilize Google Tag Manager to manage and organize all third-party tags on our Website and to control when those tags are triggered. You can view more information about Google Tag Manager's privacy practices.
    • TUNE Pixel: We may use TUNE for pixel or server postback tracking to collect certain performance marketing information about you. This enables us to measure the performance of marketing and advertising campaigns. Pixel tracking methods store a TUNE session identifier in a user's browser cookie on click. In postback tracking (also called “server-side tracking”), TUNE directly sends a session identifier to the advertiser on click. On conversion, the advertiser then communicates that identifier to TUNE for validation. To opt out of this cookie, follow the instructions in the Your Information Choices section of this Policy or visit Do Not Sell My Personal Information.
    • ActiveProspect 's Trusted Form: We use ActiveProspect's TrustedForm Script to independently document users' consent to be contacted. The TrustedForm Script is embedded on our website and collects the following information when you interact with the page(s) where the script is present: page URL, mouse movements and clicks, contact information inputted by the user, a snapshot of the page, including IP address of the user's computer, time on the page, date and time that the TrustedForm Script was loaded, as well as the date and time of the various user interactions with the page, and HTTP headers from the user's browser. For more information about ActiveProspect's data use and collection policies and practices, please review the ActiveProspect Privacy Policy at https://activeprospect.com/privacy-policy/. To opt out of this tracking technology, follow the instructions in the Your Information Choices section of this Policy or visit Do Not Sell My Personal Information.
    • Jornaya: We use a software script provided by Jornaya to (i) verify the origin and history of your consent to be contacted, and (ii) help us offer services for which you may be interested. Jornaya will also use the data shared with it to supplement its services. Jornaya will use a persistent cookie to identify your browser in the future and connect it to a LeadiD or other identifiers. For more information about Jornaya's data use and collection policies and practices, please review Jornaya's Privacy Policy. To opt out of this tracking technology, follow the instructions in the Your Information Choices section of this Policy or visit Do Not Sell My Personal Information.
    • SendinBlue: We use this tracking technology to conduct email marketing lead generation from your interaction with our marketing emails. In doing so, SendinBlue, may collect personal information to conduct such analysis. SendinBlue will use and share the information it collects in accordance with SendinBlue's Privacy Policy. To opt out of these cookies, follow the instructions in the Your Information Choices section of this Policy or visit Do Not Sell My Personal Information.

    In general, to disable cookies and limit the collection and use of information through them, you can set your browser to refuse cookies or indicate when a cookie is being sent. When you opt out an opt-out cookie will be placed on your device. The opt-out cookie is browser- and device-specific and will only last until cookies are cleared from your browser or device.

    How We Share Your Personal Information

    Final Funds Now will make the personal information identified in this Policy available within Final Funds Now' corporate family, with service providers, or with other third parties as set forth below. We also share non-personally identifiable, aggregated, and/or public information with third parties. Final Funds Now may share the personal information identified in this Privacy Policy in the following instances:

    • With service providers: We share your personal information with our service providers that assist us in providing the Services, such as our IT support, marketing provider, software service provider, telephony software provider, communications provider, cloud and hosting provider, and email provider.
    • With customers: We share lead information with our customers so they can contact you regarding the products and services they provide relevant to your project. We share this information to provide our services and connect you to businesses that can help you with your project.
    • Within Final Funds Now' corporate family: Where necessary, we share your personal information within Final Funds Now' corporate family for legitimate business purposes in order to efficiently carry out our business and to the extent permitted by law.
    • In the event of a corporate reorganization: In the event that we enter into, or intend to enter into, a transaction that alters the structure of our organization, such as a reorganization, merger, acquisition, sale, joint venture, assignment, consolidation, transfer, change of control, or other disposition of all or any portion of our assets, we would share your personal information with third parties, including the buyer or target (and their agents and advisors) for the purpose of facilitating and completing the transaction. We would also share your personal information with third parties if we undergo bankruptcy or liquidation, in the course of such proceedings.
    • For legal purposes: We'll share your personal information where we're legally required to do so, such as in response to tax obligations, court orders, law enforcement or legal process, including for national security purposes; to establish, protect, or exercise our legal rights, as required to enforce our terms of use or other contracts; to defend against legal claims or demands; to detect, investigate, prevent, or take action against illegal activities, fraud, or situations involving potential threats to the rights, property, or personal safety of any person; or to comply with the requirements of any applicable law.
    • With your consent: Apart from the reasons identified above, we may request your permission to share your personal information for a specific purpose. We'll notify you and request consent before you provide the personal information or before the personal information you've already provided is shared for such purpose. You may revoke your consent at any time.
    Sharing in the Last Twelve (12) Months

    1. For a Business Purpose: In the preceding twelve (12) months, Final Funds Now has disclosed the following categories of personal information for a business purpose to the following categories of third parties:

    • We've disclosed your personal identifiers, Internet and other network activity information, and customer records information to service providers that perform services on our behalf. These service providers include our software service provider, telephony software provider, hosting service provider, communications service provider, website development service provider, and cloud and hosting provider.
    • We've disclosed your internet or other electronic network information to our IT support to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and to identify and repair website errors that impair functionality.
    • We've disclosed your internet or other electronic network information and location information to our IT support and data analytics provider to maintain, improve, and upgrade Final Funds Now Services.

    2. For a Sale:

    • Final Funds Now uses analytics, marketing, consent tracking, and marketing email cookies and other tracking technologies on its Services. These tracking technologies collect your internet and other electronic network activity and shares it with the company that placed the tracking technology on our Services, e.g. Facebook, Google, Jornaya, SendGrid, and Active Prospect. This use of your personal information may be considered a sale under the California Consumer Privacy Act. To opt out of this cookie, follow the instructions in the Your Information Choices section of this Policy or visit Do Not Sell My Personal Information.
    • We may share with our customers/partners and affiliates your personal identifiers (name, email address, telephone number, physical address), selected insurance type, selected timeframe, and any other information you choose to include. Please see the following link for a list of representative organizations to whom your personal information may be shared so they may send you marketing communications relevant to your interests, projects, or potential projects. If you're a California or Nevada resident and wish to opt out, please follow the instructions in the Your Information Choices section of this Policy or visit Do Not Sell My Personal Information.
    • We may share with our session recording vendor your internet and other electronic network activity to help us analyze how you use our Services. This use of your personal information may be considered a sale under the California Consumer Privacy Act. To opt out of this cookie, follow the instructions in the Your Information Choices section of this Policy or visit Do Not Sell My Personal Information.
    California Residents

    The California Consumer Privacy Act (CCPA) entitles California residents to certain rights. To the extent that the CCPA applies to our processing of your personal information, you would be entitled to the following rights:

    • Right to access: You've the right to request what personal information we've collected, used, disclosed, and sold about you within the preceding twelve (12) months. You may only submit a request for access twice within a twelve-month period.
    • Right to deletion: You've the right to request the deletion of your personal information that we collect or maintain, subject to certain exceptions.
    • Right to opt out: You've the right to opt out of the sale of your personal information to third parties. Final Funds Now doesn't have actual knowledge that it sells personal information of minors under the age of sixteen (16) years.
    • Right to nondiscrimination: You've the right to not receive discriminatory treatment if and when you exercise your rights to access, delete, or opt out under the CCPA.

    To exercise your right to access or delete your personal information, you may submit a request via email at info@finalfundsnow.com or via telephone by calling 321-837-9954. To opt out of the sale of your personal information via cookies or for marketing purposes, please visit Do Not Sell My Personal Information.

    For requests submitted via email and telephone, you must provide us with sufficient information that allows us to reasonably verify that you're the person about whom we collected the personal information and describe your request with sufficient detail to allow us to properly evaluate and respond to it. If we're unable to verify your identity for access and deletion requests with the information provided, we may ask you for additional pieces of information. The interactive web form contains the information that we need to verify your identity and review your request.

    Only you or a person registered with the California Secretary of State that you authorize to act on your behalf may make a request related to your personal information. If you're an authorized agent making a request on behalf of another individual, you must provide us with signed documentation that you're authorized to act on behalf of that individual.

    Nevada Residents

    If you're a consumer in the state of Nevada, you may request to review the personal information we maintain about you, make changes to the personal information we maintain about you, or opt out of the current or future sale of your personal information by submitting a request via email at info@finalfundsnow.com. Please include “Request Under Nevada Law” in the subject line of your message.

    NonCalifornia and NonNevada Residents

    To exercise your right to access or delete your personal information, you may submit a request via email at info@finalfundsnow.com or via telephone by calling 321-837-9954. To opt out of the sale of your personal information via cookies or for marketing purposes, please visit Do Not Sell My Personal Information.

    For requests submitted via email and telephone, you must provide us with sufficient information that allows us to reasonably verify that you're the person about whom we collected the personal information and describe your request with sufficient detail to allow us to properly evaluate and respond to it. If we're unable to verify your identity for access and deletion requests with the information provided, we may ask you for additional pieces of information. The interactive web form contains the information that we need to verify your identity and review your request.

    Your Information Choices

    All users of our Services have the following choices and rights:

    • Marketing emails: You may opt out of receiving marketing emails from us by clicking the “unsubscribe” link provided with each email. Please note that we'll continue to send you emails necessary to the Services or any assistance you request.
    • Opt Out of email tracking: You can disable this tracking by blocking automatic loading of images in your email.
    • Marketing text messages: You may opt out of receiving marketing text messages from us by responding “STOP” or “Opt-out” to any of our text messages.
    • Opt out of Google Analytics: To prevent your data from being used by Google Analytics, you can download the Google Analytics opt-out browser or visit Do Not Sell My Personal Information.
    • Opt out of other cookies: All session cookies are temporary and expire after you close your web browser. Persistent cookies can be removed by following your web browser's directions. To find out how to see what cookies have been set on your computer or device, and how to reject and delete the cookies, please visit https://www.aboutcookies.org/.

    Please note that each web browser is different. For information on reviewing or deleting cookies from specific browsers, click on the appropriate browser: Firefox, Firefox IOS, Firefox Android, Safari, Safari Mobile, Chrome, Internet Explorer, Microsoft Edge, Opera.

    To find information relating to other browsers, visit the browser developer's website and mobile application. If you reset your web browser to refuse all cookies or to indicate when a cookie is being sent, some features of our website and mobile application may not function properly.

    If you choose to opt out, we'll place an “opt-out cookie” on your computer. The “opt-out cookie” is browser-specific and device-specific and only lasts until cookies are cleared from your browser or device. The opt-out cookie won't work for essential cookies. If the cookie is removed or deleted, if you upgrade your browser or if you visit us from a different computer, you'll need to return and update your preferences.

    • Opt out of online advertising: Some of the companies that provide advertising services on our Services may participate in industry-developed programs designed to provide consumers with choices about whether to receive tailored ads that are based on your online activities. To learn more and to opt out of such targeted advertising from participating companies, please visit the websites of the Network Advertising Initiative, the Digital Advertising Alliance. To successfully opt out, you must have cookies enabled in your web browser (see your browser's instructions for information on cookies and how to enable them). Your opt out only applies to the web browser you use, so you must opt out of each web browser on each device you use. Once you opt out, if you delete your browser's saved cookies, you will need to opt out again.
    • Opt out of sharing with partners: If you're a California resident and wish to opt out of us sharing your personal identifiers with our partners for marketing purposes, please follow the instructions in the California Residents section of this Policy to allow us to facilitate the opt-out. If you're a Nevada resident and wish to opt out of us sharing your personal identifiers with our partners for marketing purposes, please follow the instructions in the Nevada Residents section of this Policy to allow us to facilitate the opt-out.

    Do Not Track

    We don't support Do Not Track (DNT). DNT is a preference you can set to inform websites and applications that you don't want to be tracked.

    Information Security

    We implement and maintain reasonable security measures such as access controls and encryption, to protect the personal information we collect and maintain. However, no security measure or modality of data transmission over the Internet is 100% secure and we're unable to guarantee the absolute security of the information we've collected from you.

    Age Restriction

    The Services aren't intended for individuals under the age of eighteen (18). If we learn that we've collected or received personal information from a child under the age of eighteen (18), we'll delete that information. If you believe we might have information from or about a child under the age of eighteen (18), please contact us at info@finalfundsnow.com.

    Changes to This Privacy Policy

    We may change this Privacy Policy from time to time. We'll post the changes to this page and will indicate the date the changes go into effect. We encourage you to review this Policy to stay informed. If we make changes that materially affect your privacy rights, we'll notify you with a prominent post on our Services and obtain your consent, if required.

    Contact

    If you've any specific questions about this Privacy Policy, you can contact us via email at info@finalfundsnow.com.

Terms & Conditions

Last updated May 8, 2025

Our website address is: https://finalfundsnow.com.

These Terms of Use (this “Agreement”) apply to all users of https://finalfundsnow.com (The "website")

This Agreement requires the use of arbitration on an individual basis to resolve disputes, rather than jury trials or class actions. This Agreement limits our liability and the remedies available to you in the event of a dispute.

1. Terms

By accessing the Website, you are agreeing (on behalf of yourself and/or the entity that you represent) to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. You represent and warrant that you have the right, authority, and capacity to enter into this agreement on behalf of yourself and/or the entity that you represent. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in the Website are protected by applicable copyright and trademark law.

2. Use License

  • a. Subject to this Agreement, Final Funds Now (“Final Funds Now”, “us”, “our”, and “we”) grants you a non-transferable, non-exclusive, revocable, limited license to use and access the Website solely for your own non-commercial purposes. The rights granted to you in this Agreement are subject to the following restrictions: (a) you shall not license, sell, rent, lease, transfer, assign, encumber, or host the Website, whether in whole or in part, or any content displayed on the Website; (b) you shall not modify, make derivative works of, disassemble, and/or reverse compile or reverse engineer, any part of the Website; (c) you shall not access the Website to build or create a website, product, or service; and (d) except as expressly stated herein, no part of the Website may be copied, reproduced, distributed, republished, downloaded, displayed, posted, or transmitted in any form or by any means. Unless otherwise indicated, any future release, update, or other addition or modification to the functionality of the Website shall be subject to this Agreement. All copyright and other proprietary notices on the Website (or on any content displayed on the Website) must be retained on all copies thereof..
  • b. This license shall automatically terminate if you violate any of these restrictions and may be terminated by Final Funds Now at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
  • c. Any person who knowingly and with intent to defraud Final Funds Now or other person submits information to this Website containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto acts in violation of these Terms of Use and shall be subject to a claim for damages caused to Final Funds Now and its parent or affiliates, including reasonable attorney's fees arising from investigation, defense, or prosecution of any such submission.

3. Update Mobile Telephone Number

If you opt in to receiving promotional text messages and calls from Final Funds Now, you agree to provide Final Funds Now with a valid mobile number. You agree to promptly update your mobile telephone number upon any change or deactivation of your telephone number and to opt-out of receiving text message communications using your previous phone number before changing your telephone number applicable to the services. To the extent permitted by applicable law, you agree that Final Funds Now will not be liable for failed, delayed, or misdirected delivery of any information sent through the text message program, any errors in such information, and/or any action you may or may not take in reliance on the information or service.

4. Disclaimer

  • a. The materials on Final Funds Now' website are provided “as is.” Final Funds Now makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Final Funds Now does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its internet website or otherwise relating to such materials or on any sites linked to this site.
  • b. Final Funds Now strives to bring you the information you need to make an informed decision about home services. We may provide you with information about different options and plans available, potential providers, and manufacturers so that you are able to find the solution that is right for you. The information on Final Funds Now is general, and may not be applicable to specific companies.
  • c. By providing information about the various companies mentioned on the Website, Final Funds Now makes no representation, express or implied, of any sponsorship by any such company, or of any other relationship with any such company.

5. Limitations

The use of the Website and its contents are at your own risk. In no event shall Final Funds Now or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Final Funds Now' Internet site, even if Final Funds Now or a Final Funds Now authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

6. Revisions and Errata

The materials appearing on Final Funds Now' website could include technical, typographical, or photographic errors. Final Funds Now does not warrant that any of the materials on its web site are accurate, complete, or current. Final Funds Now may make changes to the materials contained on its web site at any time without notice. Final Funds Now does not, however, make any commitment to update the materials.

7. Links

Final Funds Now has not reviewed all of the sites linked to its Internet website (“Third-Party Links”) and is not responsible for the contents of any such third-party links. The inclusion of any third-party link does not imply endorsement by Final Funds Now or the site. Use of any such linked website is at the user's own risk.

8. Release

You hereby release and forever discharge Final Funds Now (and its officers, members, employees, agents, affiliates, attorneys, successors, and assigns) from, and hereby waive and relinquish, each and every past, present, and future dispute, claim, controversy, demand, right, obligation, liability, fee, damage, cost, action, and cause of action of every kind and nature (including, but not limited to, personal injury, death, and property damage), that has arisen or arises directly or indirectly out of, or that relates in any way to, the Website (including, but not limited to, any interactions with, or act or omission of, other users or any Third Party Links). IF YOU ARE A RESIDENT OF THE STATE OF CALIFORNIA, USA, YOU HEREBY WAIVE THE APPLICATION OF CALIFORNIA CIVIL CODE SECTION 1542 IN CONNECTION WITH THE FOREGOING, WHICH STATES: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, AND THAT IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY.”

9. Trademark Information

All trademarks, logos, and service marks (“Marks”) displayed in connection with the Website are Final Funds Now' property or the property of third parties. You may not use these Marks without Final Funds Now' prior written consent or the written consent of any third party that own the Marks.

10. Site Terms of Use Modifications

Final Funds Now may revise these terms of use for its web site at any time without notice. By using the Website you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

11. Governing Law

Any claim relating to Final Funds Now' web site shall be governed by the laws of the State of Delaware without regard to its conflict of law provisions. The parties agree that the state courts sitting in New Castle County, Delaware, USA, and federal courts sitting within the District of Delaware, shall have exclusive jurisdiction over any dispute arising out of or relating to this Agreement and the parties waive any objection based on jurisdiction, venue, or inconvenient forum. In any action or suit to enforce any right or remedy under this Agreement or to interpret any provision of this Agreement, Final Funds Now shall be entitled to recover its reasonable attorneys' fees and costs, including, but not limited to, expert witness fees, if Final Funds Now is the prevailing party.

12. Dispute Resolution

PLEASE READ THIS SECTION CAREFULLY, AS IT AFFECTS YOUR RIGHTS.

  • a. Arbitration. The parties shall use their best efforts to settle any dispute, claim, question, or disagreement directl y through good-faith negotiations, which shall be a precondition to either party initiating a lawsuit or arbitration. All claims arising out of or relating to this Agreement and your use of the Website shall be finally settled by binding arbitration administered by the JAMS Alternative Dispute Resolution (“JAMS”) in accordance with the provisions of its Commercial Arbitration Rules and of its supplementary procedures for consumer-related disputes, excluding any rules or procedures governing or permitting class actions. The arbitrator, and not any court or agency, shall have exclusive authority to resolve all disputes arising out of or relating to this Agreement, including, but not limited to, any claim that all or any part of this Agreement is void or voidable. The arbitrator shall be empowered to grant whatever relief would be available in a court. The arbitrator's award shall be binding on the parties and may be entered as a judgment in any court of competent jurisdiction. The arbitration will be held in Miami, Florida. A party seeking arbitration must first send to the other, by certified mail, a written notice of dispute.

    Any notice to Final Funds Now should be addressed to Final Funds Now, P.O. Box 310666, Miami, FL 33231 – Attention: General Counsel. Any notice to you shall be sent to your address as set forth in your Final Funds Now account or such other legal address as Final Funds Now is able to identify. The parties understand that, absent this mandatory provision, they would have the right to sue in court and have a jury trial. They further understand that, in some instances, the costs of arbitration could exceed the costs of litigation and that the right to discovery may be more limited in arbitration than in court.

  • b. Class-Action Waiver. The parties further agree that any arbitration shall be conducted in their individual capacities only, and not as a class action or other representative action. If any court or arbitrator determines that the class-action waiver set forth in this section is void or unenforceable for any reason, or that an arbitration can proceed on a class basis, then the arbitration provision set forth above shall be deemed null and void in its entirety and the parties shall be deemed to have not agreed to arbitrate disputes.
  • c. Exceptions. Without first engaging in arbitration or the informal dispute-resolution process described above, either you or Final Funds Now may assert claims, if they qualify, in small claims court in Jacksonville, FL or any United States county where you live or work; and Final Funds Now may bring a lawsuit against you in any court of competent jurisdiction solely for injunctive relief to stop any unauthorized use or abuse of the Website or intellectual property infringement.
  • d. Thirty-Day Right to Opt Out. You have the right to opt out and not be bound by the arbitration- and class-action-waiver provisions set forth in this section by sending written notice of your decision to opt out to the following address: Final Funds Now, P.O. Box 310666, Miami, FL 33231. The notice must be sent within 30 days of registering to use the Website; otherwise, you shall be bound to arbitrate disputes in accordance with this Agreement. If you opt out of these arbitration provisions, Final Funds Now also will not be bound by them. If you opt out, all other parts of this Agreement will continue to apply to you.

13. Governing Law

Any claim relating to Final Funds Now' web site shall be governed by the laws of the State of Delaware without regard to its conflict of law provisions. The parties agree that the state courts sitting in New Castle County, Delaware, USA, and federal courts sitting within the District of Delaware, shall have exclusive jurisdiction over any dispute arising out of or relating to this Agreement and the parties waive any objection based on jurisdiction, venue, or inconvenient forum. In any action or suit to enforce any right or remedy under this Agreement or to interpret any provision of this Agreement, Final Funds Now shall be entitled to recover its reasonable attorneys' fees and costs, including, but not limited to, expert witness fees, if Final Funds Now is the prevailing party.

14. Copyright Infringement

If you believe any materials on Final Funds Now infringe your copyright you may submit a takedown request by contacting Final Funds Now at info@finalfundsnow.com.

Please include:

  • a. A description of the work, the URL on Final Funds Now.com where the material is located and the URL where the original work can be found.
  • b. Class-Action Waiver. The parties further agree that any arbitration shall be conducted in their individual capacities only, and not as a class action or other representative action. If any court or arbitrator determines that the class-action waiver set forth in this section is void or unenforceable for any reason, or that an arbitration can proceed on a class basis, then the arbitration provision set forth above shall be deemed null and void in its entirety and the parties shall be deemed to have not agreed to arbitrate disputes.
  • b. Your contact details including name, address, phone number and if possible email address.
  • c. A statement in good faith that you believe the work to have been used without permission of the copyright owner.
  • d. A statement that the information provided is correct, and under penalty of perjury, that they are authorized to act on behalf of the copyright owner.
  • e. An electronic or physical signature of the person authorized to act on behalf of the copyright owner.

15. General

This Agreement constitutes the entire agreement by and between you and Final Funds Now regarding the use of the Website. Any failure by Final Funds Now to exercise or enforce any right or provision of this Agreement shall not operate as a waiver of such right or provision. The section titles in this Agreement are for convenience only and have no legal or contractual effect. If any provision of this Agreement is, for any reason, held to be invalid or unenforceable, the other provisions of this Agreement will be unimpaired and the invalid or unenforceable provision will be deemed modified so that it is valid and enforceable to the maximum extent permitted by law. This Agreement, and your rights and obligations herein, may not be assigned, subcontracted, delegated, or otherwise transferred by you without Final Funds Now' prior written consent, and any attempted assignment, subcontract, delegation, or transfer in violation of the foregoing will be null and void. Final Funds Now may freely assign this Agreement. The terms and conditions set forth in this Agreement shall be binding upon assignees.

16. Disclosures

If you're a resident of the State of California, USA, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at 800-952-5210.

17. Contact Information

You can contact us via email at info@finalfundsnow.com with any questions regarding our Terms of Use.

If you're a resident of of California, Colorado, Connecticut, Utah, or Virginia and would like to request more information related to your rights in accordance with the privacy rights in your state, fill out the form below. Please be aware that you may be contacted for verification purposes. You can also call 321-837-9954.

For more information please visit our Privacy Policy.

Contact

If you've any specific questions, you can contact us via email at info@finalfundsnow.com.