Terms of Use - Last Updated: February 18, 2021
The Worthington Final Expense Network, LLC, which does business as the West Virginia Final Expense Network, provides a service connecting consumers with insurance agents in order to assist you with the purchase of insurance.
The following terms and conditions (the "Terms of Use") govern your use of the services offered through the website WVfinalexpense.com (collectively, the "Website"). By using the Website and our services, you agree to these Terms of Use. If you do not agree to these Terms of Use, you are prohibited from using or accessing the Website. The terms "we," “our,”or "us," refer to The Worthington Final Expense Network, LLC and its subsidiaries and affiliates.
“You” and “Your” means the user of this Website.
Our Service:
We are not licensed as an insurance agent, agency, or broker. Accordingly, we do not offer
advice or recommend a particular insurance plan or company. The information we provide is
general consumer knowledge, and is not intended to provide advice on individual situations or
legal issues.
The Website provides you the opportunity to be connected with an insurance agent to assist you with the purchasing of insurance. Once you provide certain information regarding your insurance interest, we attempt to connect you with an insurance agent in your area. While we publish content on the Website about insurance, we do not provide tax or financial advice of any kind, or provide advice about or recommend any particular insurance plan or company, or provide advice or information about the substantiative benefits, terms or conditions of any particular insurance plan or company. We do not guarantee that any policy for which you apply will be approved, or be appropriate for your situation, or that any insurance carrier or other service provider will review your application or contact you. We are not responsible in any way for the conduct of any insurance agent or insurance company. The policy provided by any insurance company will be subject to the terms and conditions under which it issued, and we have no control over such terms and conditions. Our services are presented without guarantee or warranty.
Accessing our Website:
You may only use the Website if you live in the United States and are at least 18 years old. We
reserve the right, for any reason, in our sole discretion, to terminate, change, suspend or
discontinue any aspect of the Website. We may also impose limits on certain features of the
Website or restrict your access to part of or the entire Website, without notice or penalty. We do
not charge our users for use of the Website.
User Data - Consent to Contact:
In the course of your use of the Website, or through the use of a third party - such as responding to a Facebook Lead Ad, you may be asked to provide information to us ("User Data"). Our information collection and use practices with respect to User Data are set forth in our Privacy Policy which is incorporated herein by reference for all purposes. Please read our Privacy Policy before submitting any User Data. You acknowledge and agree that you are solely responsible for the accuracy and content of the User Data. We cannot be responsible for maintaining any User Data that you provide to us, and we may delete or destroy any such User Data at any time. We reserve the right to refuse to post or to remove any User Data, in whole or in part, that, in our sole discretion, is unlawful, unacceptable, undesirable, inappropriate or in violation of these Terms of Use.
By providing your contact information to us, you are giving permission to receive communications from us directly, or through an insurance agent to whom we’ve shared your contact information. You specifically agree you may be contacted by telephone, text or e-mail. If you no longer wish to receive these communications, please let us know by sending an email by clicking Contact Us found at the bottom of most pages of this Website.
Exclusive Ownership of Rights:
The Website and any necessary software used in connection with the Website contain proprietary
and confidential information that is protected by intellectual property laws in applicable
jurisdictions. You acknowledge and agree that information and materials presented through the
Website may be protected by copyrights, trademarks, service marks, patents or other proprietary
rights and laws. Except as expressly permitted by applicable law or as authorized by us, you
agree not to modify, sell, distribute, transmit, broadcast, publicly perform or create derivative
works based on the Website, in whole or in part. Any commercial use of the Website, or any
portion thereof, by you is strictly prohibited.
The Worthington Final Expense Network, LLC grants you a personal, non-transferable and non-exclusive right and license to use the Website on a computer or other Internet device; provided that you do not (and do not allow any third party to) copy, reproduce, distribute, reverse engineer or otherwise exploit any content, code, data or materials on the Website. You agree not to modify the Website in any manner or form, nor to use modified versions of the Website for any purpose. We do not grant any license or other authorization to any user to use our trade names, trademarks, service marks or other marks or logos or those of our partners without our separate express written agreement. Third party marks are the property of their respective owners.
Any questions, comments, suggestions, or materials submitted to us through the Website will become our sole property. We will own all rights in such materials, and have the unrestricted right to use, publish and otherwise disseminate such information for any purpose, without attribution or compensation.
Copyright Infringement:
We respect the copyright interests of others. It is our policy to respond to notices of alleged
infringement that comply with the Digital Millennium Copyright Act. If you believe that any
material contained on this Website may infringe on your copyright, you must provide us notice in
writing of the following: (i) identification of the copyrighted work claimed to have been
infringed, (ii) identification of the allegedly infringing material, (iii) information sufficient to
permit us to locate the infringing material, (iv) a statement that the complaining party has a good
faith belief that use of the material is not authorized or permissible by law, and (v) a statement
that the information in the notification is accurate, and under penalty of perjury, that the
complaining party is authorized to act on behalf of the copyright owner, agent, or licensee.
Anyone who knowingly misrepresents that material is infringing in such a notice will be liable
for any damages and any associated costs incurred by us. Written notice must be sent to us by
U.S. mail (P.O. Box 594, Pineville, WV Attn: Legal).
DISCLAIMER OF WARRANTIES:
The information and services on this Website are provided "as is" and for informational purposes
only. We make no representations or warranties that the Website will be suitable for your needs,
is complete, timely, reliable, or free from errors, inaccuracies or typographical mistakes. We
disclaim all warranties, express or implied, including warranties of merchantability or fitness for
a particular purpose or non-infringement of the rights of others. We do not warrant that the
Website will be free of errors or viruses, worms or other destructive or harmful code.
LIMITATION OF LIABILITY:
IN NO EVENT SHALL THE WORTHINGTON FINAL EXPENSE NETWORK LLC, ANY OF
OUR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR CONTENT OR
SERVICE PROVIDERS (COLLECTIVELY, THE "PROTECTED ENTITIES") BE LIABLE
FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL,
EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM, OR DIRECTLY OR
INDIRECTLY RELATED TO, THE USE OF, OR THE INABILITY TO USE, THE SITE AND
THE SERVICES OFFERED HEREBY, OR THE CONTENT, MATERIALS AND
FUNCTIONS RELATED THERETO, INCLUDING, WITHOUT LIMITATION, LOSS OF
REVENUE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO
EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND
CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT
LIMITED TO, NEGLIGENCE, OR OTHERWISE) EXCEED FIVE DOLLARS ($5.00). THE
ABOVE LIMITATION MAY NOT APPLY IN ALL JURISIDICTIONS OR TO ALL USERS.
IF YOU ARE NOT IN AGREEMENT WITH THE FOREGOING, YOUR SOLE REMEDY IS
TO TERMINATE THIS AGREEMENT AND DISCONTINUE USE OF THE WEBSITE.
Updates:
These Terms of Use are subject to change from time to time and at any time, and such changes
will be effective upon posting to the Website. Use of the Website following any modifications to
the Terms of Use signifies your acceptance of such modifications.
Applicable Laws:
The Website and these Terms of Use are governed by the laws of the State of West Virginia
without giving effect to any principles of conflict of laws. If any provision of these Terms of Use
shall be held to be invalid, illegal or unenforceable, the remaining provisions shall not in any way
be affected or impaired thereby. Any dispute arising from your use of this Website shall be
brought exclusively in the appropriate state or federal courts of the State of West Virginia.
Persons who choose to access this Website from other locations do so on their own initiative, and
are responsible for compliance with local laws, if and to the extent local laws are applicable.
Regardless of any statute or law to the contrary, any claim or cause of action arising out of or
related to use of the Website or the Terms of Use must be filed within one (1) year after such
claim or cause of action arose or be forever barred.
Contact Information:
By mail: The Worthington Final Expense Network, LLC
P.O. Box 594
Pineville, WV 24874
By Phone: (304)732-6641
By Email: Click Contact Us found at the bottom of the Website’s pages.