TCPA Consent and Communications Policy

This page explains how Financial Expense asks for, records and honors your consent to receive telephone calls and text messages, consistent with the Telephone Consumer Protection Act (TCPA) and related federal and state rules.

1. What This Policy Covers

This policy applies to marketing calls and text messages to the phone number you provide on our website, including calls or texts that may use automated technology or prerecorded or artificial voice messages.

2. How You Give Consent

• Consent is requested through a separate checkbox on our inquiry forms. The box is never pre-checked.
• You can submit an inquiry without checking the box. If you do not consent, we will respond by email only.
• Consent applies only to the phone number you enter and to the parties named in the consent language.

3. Consent Language Shown on Our Forms

By checking this box, I agree that Financial Expense and the participating licensed insurance professionals listed on our Third-Party Data Sharing page may contact me at the phone number I provided, including by calls and text messages that may use automated technology or prerecorded or artificial voice messages, about final expense and life insurance information. I understand that consent is not a condition of any purchase, that message and data rates may apply, and that I can opt out at any time by replying STOP or contacting us.

4. Consent Is Not a Condition of Purchase

You are not required to agree to calls or texts to read our content, submit an inquiry or purchase any product or service.

5. Who May Contact You

If you consent, you may be contacted by Financial Expense and only by the participating licensed insurance professionals listed here: [Insert names of participating licensed insurance agencies or partners]. The current list is also published on our Third-Party Data Sharing page.

6. How to Revoke Consent

You may withdraw consent at any time by any reasonable method, including:

• Replying STOP to any text message.
• Telling the caller you no longer wish to be contacted.
• Emailing [Insert Business Email] or calling [Insert Business Phone].

We will honor revocation requests within the time required by applicable law and will notify participating recipients that received your information.

7. Do Not Call Lists

We maintain an internal do-not-call list and do not place telemarketing calls to numbers on the National Do Not Call Registry without the consent or other basis permitted by law. Calls are placed only during hours allowed by federal and state rules.

8. Message Frequency and Charges

Message frequency varies. Message and data rates may apply depending on your mobile plan. Carriers are not liable for delayed or undelivered messages.

9. Consent Records

When you submit a form, we record the date and time, the consent language version shown, the page you submitted from and your IP address so that consent can be verified.

10. Contact

Questions about this policy: [Insert Business Email].