Terms of Use

Effective Date: 2026-08-21 | Last Updated: 2026-08-21

1. Agreement to These Terms

myfinalpolicy.com ("myfinalpolicy.com," "Company," "we," "us," or "our") owns and operates https://myfinalpolicy.com and related websites, landing pages, forms, advertisements, communications, and services that link to these Terms of Use (collectively, the "Site" or "Services"). Please read these Terms of Use ("Terms") and our Privacy Policy carefully. By accessing, browsing, viewing, submitting information through, or otherwise using the Site, you agree to be bound by these Terms and by our Privacy Policy, whether or not you submit a form, create an account, request information, or purchase any product or service. If you do not agree, do not access, view, submit information through, or use the Site.

These Terms apply to all visitors, users, and others who access or use the Site. Additional terms may apply to specific services, offers, promotions, forms, third-party providers, or transactions. If additional terms conflict with these Terms, the additional terms will control for the specific service or transaction to which they apply.

2. Eligibility and United States Use

The Site is intended for users who are at least 18 years old and are legal residents of the United States. By accessing, browsing, viewing, submitting information through, or using the Site, you represent and warrant that you are at least 18 years old, are legally able to enter into these Terms, and are a legal resident of the United States.

The Site is not intended for children under 13. If you are under 13, do not use the Site or submit information through the Site.

3. Informational and Lead-Generation Purpose

The Site is used to provide information and to help visitors request information, quotes, consultations, or offers from us, our affiliates, participating providers, vendors, business partners, advertisers, or other third parties. Unless expressly stated otherwise, the Site is for general informational and lead-generation purposes only.

We are not a lender, creditor, debt settlement company, credit counseling agency, law firm, government agency, or financial advisor unless a specific site expressly states otherwise. We do not make credit decisions, guarantee approval, guarantee savings, provide legal or financial advice, or guarantee the availability, quality, price, terms, or results of any third-party product or service.

4. Consent to Be Contacted

When you submit your contact information through the Site, you authorize myfinalpolicy.com, its affiliates, service providers, participating providers, vendors, and business partners to contact you about products or services you requested or that may interest you, including by email, postal mail, telephone, text message, prerecorded message, artificial voice, or automated technology, where permitted by law and your choices.

Your consent to receive marketing calls or texts is not a condition of purchasing goods or services unless expressly permitted by law. Message and data rates may apply. You may opt out by following the unsubscribe or STOP instructions in a communication, using Opt Out Link if available, or emailing admin@myfinalpolicy.com.

5. Privacy Policy

Our Privacy Policy is incorporated into these Terms by reference and also governs your use of the Site. By accessing, browsing, viewing, submitting information through, or otherwise using the Site, you acknowledge and agree that information may be collected, used, disclosed, sold, shared, retained, and protected as described in the Privacy Policy.

6. Site Content and Limited License

All text, software, code, designs, graphics, logos, photographs, videos, audio, data, trademarks, service marks, trade names, page layouts, forms, and other content available on or through the Site (collectively, "Content") are owned by us, our licensors, our business partners, or other content providers and are protected by copyright, trademark, and other intellectual-property laws.

Subject to your compliance with these Terms, we grant you a personal, limited, revocable, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes and to request information about products or services offered through the Site. We reserve all rights not expressly granted.

You may not copy, reproduce, modify, publish, display, perform, distribute, sell, lease, license, create derivative works from, reverse engineer, frame, scrape, data mine, or otherwise exploit the Site or Content except as expressly permitted by these Terms or by our prior written consent.

7. Prohibited Uses

You agree not to:

Use the Site for any unlawful, fraudulent, harmful, abusive, harassing, defamatory, obscene, invasive, infringing, misleading, or otherwise objectionable purpose.
Submit false, inaccurate, unauthorized, or misleading information, impersonate another person, misrepresent your identity or affiliation, or hide or attempt to hide your identity.
Interfere with the Site, servers, networks, security, forms, tracking, consent verification, or any other user's use of the Site.
Use any robot, spider, scraper, crawler, data-mining tool, automated process, or manual process to access, monitor, copy, harvest, or compile Site content or data except for ordinary search-engine indexing.
Send unsolicited commercial email to addresses provided on the Site or use the Site to transmit spam, malware, malicious code, or other harmful materials.
Delete, alter, bypass, disable, or interfere with any copyright, trademark, security, privacy, tracking, or consent-verification feature.
Use our name, domain, trademarks, service marks, hidden text, metatags, or similar identifiers without our prior written consent.
Use the Site or Content in a way that violates any applicable law, regulation, third-party right, or third-party terms.

8. Third-Party Sites, Providers, and Offers

The Site may link to or display content, offers, products, services, advertisements, forms, or resources from third parties, including participating providers, advertisers, vendors, affiliates, strategic partners, social networks, and technology providers (collectively, "Third-Party Services"). Third-Party Services are governed by their own terms, privacy policies, disclosures, warranties, and practices.

We are not responsible for Third-Party Services, including their availability, content, products, services, offers, fees, claims, communications, acts, omissions, or privacy practices. Inclusion of a link, provider, offer, or advertisement does not mean that we endorse or guarantee the third party or its products or services. Your communications, transactions, and dealings with third parties are solely between you and the applicable third party.

9. No Professional Advice

The Site and Content are provided for general informational purposes only and do not constitute legal, financial, tax, credit, medical, professional, or other regulated advice. You should consult qualified professionals before making decisions based on information available through the Site.

10. User Submissions and Feedback

If you submit, upload, post, send, or otherwise provide information, materials, comments, testimonials, feedback, ideas, reviews, or other content through the Site ("User Submissions"), you represent that you have the right to provide them and that they do not violate any law or third-party right.

You grant us a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to use, reproduce, display, distribute, transmit, modify, and otherwise process User Submissions as necessary to operate the Site, provide requested services, communicate with you, document consent, improve the Services, and as otherwise described in our Privacy Policy.

11. Electronic Communications

By using the Site or communicating with us electronically, you consent to receive communications from us electronically, including by email, text message, notices posted on the Site, or other electronic means. You agree that electronic agreements, notices, disclosures, and other communications satisfy any legal requirement that such communications be in writing, unless applicable law requires a different form.

12. Copyright and Intellectual Property Complaints

We respect intellectual-property rights. If you believe material on the Site infringes your copyright or other intellectual-property rights, email admin@myfinalpolicy.com with enough information for us to identify the material and evaluate the claim, including your contact information, a description of the work, a description of the allegedly infringing material, a statement that you have a good-faith belief that the use is not authorized, and a statement that the information is accurate and that you are authorized to act for the rights owner.

We may remove or disable access to material that we believe may infringe intellectual-property rights and may terminate repeat infringers where appropriate.

13. Disclaimer of Warranties

To the fullest extent permitted by law, the Site, Content, and any products, services, information, forms, offers, links, or Third-Party Services made available through the Site are provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory.

myfinalpolicy.com disclaims all warranties, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, security, uninterrupted operation, error-free operation, and warranties arising from course of dealing, course of performance, or usage of trade.

We do not warrant that the Site or Content will meet your requirements, be accurate or complete, produce any particular result, be uninterrupted or secure, be free of viruses or harmful components, or that defects will be corrected.

14. Limitation of Liability

To the fullest extent permitted by law, myfinalpolicy.com and its affiliates, owners, officers, directors, employees, contractors, agents, licensors, service providers, vendors, advertisers, business partners, and participating providers will not be liable for any indirect, incidental, special, consequential, exemplary, punitive, or enhanced damages; loss of profits, revenue, data, goodwill, use, or business opportunity; or cost of substitute goods or services arising out of or related to the Site, Content, Third-Party Services, or these Terms, whether based in contract, tort, negligence, strict liability, statute, or any other theory, even if advised of the possibility of such damages.

Some jurisdictions do not allow certain limitations or exclusions of liability, so some limitations may not apply to you. In those jurisdictions, liability will be limited to the greatest extent permitted by law.

15. Indemnification and Release

You agree to defend, indemnify, and hold harmless myfinalpolicy.com and its affiliates, owners, officers, directors, employees, contractors, agents, licensors, service providers, vendors, advertisers, business partners, and participating providers from and against all claims, demands, losses, damages, liabilities, judgments, settlements, costs, and expenses, including reasonable attorneys' fees, arising out of or related to your use or misuse of the Site, your User Submissions, your violation of these Terms, your violation of law, or your violation of any third-party right.

To the fullest extent permitted by law, by using the Site, you release myfinalpolicy.com and its affiliates, owners, officers, directors, employees, contractors, agents, licensors, service providers, vendors, advertisers, business partners, participating providers, and related persons and entities from any and all claims, demands, causes of action, proceedings, liabilities, obligations, damages, costs, and expenses, whether known or unknown, arising out of or related to your use of the Site or dealings with third parties found through the Site.

If you are a California resident, you waive California Civil Code Section 1542 to the fullest extent permitted by law. Section 1542 provides that a general release does not extend to claims that the releasing party does not know or suspect to exist in the releasing party's favor at the time of executing the release and that, if known, would have materially affected the settlement with the released party.

16. Dispute Resolution, Arbitration, and Class Action Waiver

Please read this section carefully. It affects your legal rights. To the fullest extent permitted by law, any dispute, claim, or controversy arising out of or relating to the Site, Content, communications, Third-Party Services, these Terms, or your relationship with myfinalpolicy.com will be resolved by binding individual arbitration rather than in court, except that either party may bring an individual claim in small claims court if the claim qualifies.

The arbitration will be administered by a neutral arbitration provider under its applicable consumer arbitration rules. The arbitration will take place in Lehi, Utah, by telephone, by video conference, by written submissions, or at another mutually agreed location or format. The arbitrator may award relief only on an individual basis and only to the extent necessary to resolve the individual claim.

You and myfinalpolicy.com agree that each may bring claims against the other only in an individual capacity and not as a plaintiff, class member, private attorney general, or representative in any class, consolidated, representative, collective, or mass action. If a court or arbitrator determines that any part of this arbitration or class-waiver section is unenforceable as to a particular claim or remedy, that claim or remedy may be severed and brought in court, and the remaining provisions will continue to apply to the fullest extent permitted by law.

17. Governing Law

These Terms and any dispute arising out of or relating to them or the Site will be governed by the laws of the State of Utah, without regard to conflict-of-law principles, except that the Federal Arbitration Act governs the interpretation and enforcement of the arbitration agreement where applicable.

18. Changes to the Site and Terms

We may modify, suspend, or discontinue the Site, Content, features, forms, offers, or these Terms at any time, with or without notice. The updated Terms will be posted on the Site with an updated effective date. Your continued access to, viewing of, submission through, or use of the Site after updated Terms are posted constitutes your acceptance of the updated Terms.

19. Termination

We may suspend, restrict, or terminate your access to the Site at any time and for any reason, including if we believe you violated these Terms, created risk, submitted inaccurate information, interfered with the Site, or used the Site unlawfully. Sections that by their nature should survive termination will survive, including intellectual-property, privacy, disclaimers, limitation of liability, indemnification, release, dispute-resolution, governing-law, and miscellaneous provisions.

20. Miscellaneous

These Terms, together with our Privacy Policy and any additional terms that apply to a specific service, form, promotion, or transaction, constitute the entire agreement between you and myfinalpolicy.com regarding the Site. If any provision is found invalid or unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, sale of assets, or by operation of law.

21. Contact Us

If you have questions about these Terms or the Site, contact us at:

myfinalpolicy.com
3741 Merced Dr - E2, Riverside, CA 92503
Email: admin@myfinalpolicy.com