Terms and Conditions
1. Acceptance of Terms
Welcome to Mortgage Protection Covered ("Website," "we," "us," "our," or "Company"). These Terms and Conditions outline the rules for use of our Website and services, located at https://mortgageprotectioncovered.com/. By accessing or using this Website, you agree to comply with these Terms and Conditions. If you do not agree, please do not use this Website. We reserve the right to modify these Terms and Conditions at any time. Your continued use of the Website following any changes constitutes your acceptance of the new terms.
Important: Not an Insurance Company: Mortgage Protection Covered is not an insurance company, insurance agent, or underwriter. We are a platform that provides information and tools to help connect you with licensed insurance carriers and agents who offer mortgage protection insurance coverage. Insurance products are provided by licensed insurance companies, not by Mortgage Protection Covered.
Important: Not Affiliated With Your Mortgage Lender: Mortgage Protection Covered is not affiliated with, endorsed by, or acting on behalf of your mortgage lender, loan servicer, or any government agency. We do not have access to your loan account, and using our Website or services will not affect your mortgage terms, payments, or loan status in any way.
2. Eligibility
This Website and our services are intended only for residents of the United States who are at least 18 years of age and have the legal capacity to enter into a binding contract. By using this Website, you represent and warrant that you meet these requirements. We do not knowingly offer our services to anyone who does not.
3. Definitions
The following terms apply throughout these Terms and Conditions:
• "You," "Your," "Client," "User," "Prospect": any person accessing or using this Website or our services
• "Company," "We," "Us," "Our," "Mortgage Protection Covered": Mortgage Protection Covered and all associated entities, subsidiaries, officers, directors, employees, and agents
• "Website": the website located at https://mortgageprotectioncovered.com/ and all associated pages, content, and services
• "Content": all text, images, graphics, videos, logos, and other materials on the Website
• "Services": information, tools, quotes, educational content, and connection services related to mortgage protection insurance
• "Mortgage Protection Insurance": life, disability, or related insurance products designed to help cover mortgage payments or balances, offered by licensed insurance carriers
• "Provider": a licensed insurance agent, agency, or carrier to whom we may refer or share your informationn
• "Lead": information about you that you submit through the Website, which we may share with one or more Providers, with your authorization, so a Provider may contact you about insurance products
4. Our Role and Services
Mortgage Protection Covered operates as an independent platform that connects homeowners with Providers who may offer mortgage protection insurance coverage. When you submit your information through our Website, you authorize us to collect it as a Lead and share it with one or more Providers so they may contact you about insurance products.
We are not responsible for the legality, accuracy, suitability, or quality of any product or representation made by a Provider, a Provider’s ability to deliver coverage, or a Prospect’s ability to pay for a product. We do not issue insurance policies, bind coverage, negotiate insurance contracts, or provide insurance, tax, legal, or financial advice. We do not guarantee that any Provider will contact you or offer the coverage you requested.
5. Use of Website
By accessing this Website, you agree to:
• Use the Website solely for lawful purposes and in accordance with these Terms and Conditions
• Not engage in conduct that restricts or inhibits anyone's use of or enjoyment of the Website
• Provide accurate, truthful, and complete information when requested
• Not harass, threaten, embarrass, or cause distress or discomfort to any individual
• Not transmit obscene, offensive, or inappropriate messages or material
Prohibited activities include:
• Attempting to gain unauthorized access to the Website or related systems
• Disrupting the normal flow of dialogue or dialogue sequences on the Website
• Using automated tools, bots, or scrapers to access or download content
• Reverse-engineering or decompiling any part of the Website
• Uploading or transmitting viruses, malware, or other harmful code
• Engaging in any form of fraudulent or deceptive activity
• Attempting to manipulate quotes or pricing information
• Providing false or misleading health or beneficiary information
Mortgage Protection Covered reserves the right to refuse service to anyone at any time, for any reason.
6. Cookies
By accessing the Local Burial Program website, you agree to the use of cookies in accordance with our Privacy Policy. We use cookies to:
• Remember your preferences and settings
• Understand how you use our Website
• Deliver personalized content and advertising related to final expense and burial planning
• Improve Website functionality and security
• Track quote history and policy information
Some of our affiliate and advertising partners may also use cookies on this Website. You can control cookie settings through your browser. For more information, review our Privacy Policy.
7. Intellectual Property Rights
7.1 License Grant
Subject to your compliance with these Terms and Conditions, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and make personal, non-commercial use of this Website. This license does not include:
• Any resale or commercial use of the Website or its contents
• Quote information, pricing data, or insurance product details
• Educational content about wealth-building strategies or life insurance options
• Any derivative use of the Website or its contents
• Any use of data mining, robots, or similar automated data gathering tools
• Use of meta tags or hidden text utilizing our name or trademarks without express written consent
7.2 Ownership
All copyright, trademarks, design rights, patents, and other intellectual property rights in and on this Website and all Content are owned by Local Burial Program or its licensors. All rights are reserved.
5.3 Prohibited Uses
You may not:
• Copy, reproduce, republish, disassemble, or decompile any Content
• Reverse-engineer or download Content from the Website
• Sell, rent, sub-license, or redistribute material from the Website
• Post, broadcast, transmit, or make available any Content to the public without permission
• Modify or create derivative works based on the Website or its Content
• Use our educational content or final expense planning information for commercial purposes
Any unauthorized use terminates the limited license granted by Local Burial Program and may result in legal action.
8. User-Generated Content
8.1 Comments and Submissions
We may provide areas of the Website where users can post comments, questions, or other content. We do not filter, edit, publish, or review comments before they appear on the Website.
8.2 Your Representations
By posting or submitting any content to our Website, you represent and warrant that:
• You are entitled to post the content and have all necessary licenses and consents
• The content does not infringe on any intellectual property rights, including copyright, patent, or trademark
• The content does not contain defamatory, libelous, offensive, indecent, or unlawful material
• The content does not invade privacy rights or solicit commercial activities
• You own or control all rights to the content you submit
8.3 License to Your Content
By submitting content, you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display that content worldwide in any media.
8.4 Moderation
We may monitor, review, remove, or edit any comments or user-generated content we determine to be inappropriate, offensive, or in violation of these Terms. Comments do not reflect our views, and we are not liable for any content posted by users.
9. User Conduct
You agree to comply with all applicable laws and regulations when using this Website. You will not:
• Provide false, inaccurate, or misleading information
• Provide false or misleading health information for purposes of obtaining coverage
• Engage in any form of fraud, deception, or misrepresentation
• Violate any local, state, or federal laws or regulations
• Interfere with or disrupt the Website or its services
• Attempt to access restricted areas without authorization
• Use the Website to harass, threaten, or abuse others
• Provide information for purposes of committing insurance fraud
All information, data, or content you provide is your sole responsibility. The Website may contain content you find objectionable, and we are not responsible for such content.
10. Final Expense Insurance Disclaimer
10.1 Not a Government Program
Final expense insurance offered through a Provider is a private insurance product. It is not a government benefit, Social Security benefit, Medicare or Medicaid benefit, or municipal burial assistance program, and applying through our Website does not affect your eligibility for any government benefit.
10.2 Coverage Is Subject to Underwriting
Not all final expense insurance plans guarantee acceptance. Your eligibility, the type of policy offered, and your premium amount depend on your age, health, and the underwriting guidelines of the insurance carrier you are matched with.
10.3 Graded Death Benefits and Waiting Periods
Some final expense policies include a graded or modified death benefit, meaning that if death occurs within a waiting period after the policy is issued (commonly the first two years), the carrier may pay only a partial benefit, such as a return of premiums paid plus interest, rather than the full face amount, except in the case of accidental death. Review your specific policy contract for the terms that apply to you.
10.4 No Guarantees
We make no guarantees regarding coverage availability or approval, premium amounts or policy values, or the amount of any benefit payable under a policy.
11. Disclaimers & Limitations of Liability
11.1 Disclaimer of Warranties
The content on this Website is for general informational purposes only. While we try to keep information accurate and current, we make no warranties regarding:
• The completeness, accuracy, or reliability of the Website or its Content
• The suitability of the information for any particular purpose
• The availability or functionality of the Website
• Any products, services, quotes, or information referenced on the Website
• Beneficiary designations, policy values, or insurance coverage
11.2 "As-Is" Basis
The Website and all Content are provided on an "as-is" and "as-available" basis without warranties of any kind, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
11.3 Limitation of Liability
To the fullest extent permitted by law, Local Burial Program and its directors, employees, partners, agents, suppliers, and affiliates are not liable for any indirect, incidental, special, consequential, or punitive damages, loss of profits, data, or goodwill, or damages arising from your use of (or inability to use) the Website, the conduct of third parties on the Website, unauthorized access to your information, insurance coverage denials, or the financial consequences of any insurance product — whether the claim is based on warranty, contract, tort, or any other legal theory.
Our total liability to you for any claim arising out of or relating to these Terms or your use of the Website is limited to the greater of (a) the total fees, if any, that you paid us in the twelve months before the claim arose, and (b) $200. Any claim or cause of action relating to your use of the Website must be brought within one year after it arises, or it is permanently barred. Some states do not allow these limitations, so they may not apply to you.
11.4 Third-Party Links
This Website may link to third-party sites, including insurance carrier websites. We are not responsible for the content, accuracy, or practices of these external sites. Your use of them is at your own risk and subject to their own terms and privacy policies.
11.5 No Insurance Guarantee
This Website does not guarantee insurance coverage, policy approval, or policy terms. All insurance products are subject to underwriting approval by insurance carriers. Coverage details, premiums, and policy features are determined by the carrier, not by Local Burial Program.
11.5 No Insurance Guarantee
This Website does not guarantee insurance coverage, policy approval, or policy terms. All insurance products are subject to underwriting approval by insurance carriers. Coverage details, premiums, and policy features are determined by the carrier, not by Local Burial Program.
Important Not a Substitute for Professional Advice: This Website provides general information only and is not a substitute for advice from licensed insurance agents, financial advisors, or other professionals. Consult a qualified professional before making any insurance or financial decision.
12. Release of Claims Involving Third Parties
If you have a dispute with a Provider, another user, or any other third party arising from or relating to your use of the Website, you release Local Burial Program and our officers, directors, employees, and agents from any and all claims, demands, and damages of every kind arising from or related to that dispute.
If you are a California resident, you waive California Civil Code Section 1542, which provides that a general release does not extend to claims a creditor does not know or suspect to exist at the time of the release. If you reside in another state with a similar law, you waive the protections of that law to the same extent.
13. Indemnification
You agree to indemnify, defend, and hold harmless Local Burial Program, its officers, directors, employees, agents, licensors, and suppliers from any losses, expenses, damages, costs, and liabilities (including reasonable attorneys’ fees) resulting from:
• Any violation of these Terms and Conditions by you
• Any activity related to your account, including negligent or wrongful conduct
• Your access to or use of the Website
• Your violation of any third-party rights or applicable laws
• Any false or misleading information you provide
• Your interactions with, or use of insurance products obtained through, any Provider
14. No Agency; Independent Contractor Relationship
The relationship between you, Local Burial Program, and any Provider is that of independent contractors. Nothing in these Terms creates an agency, joint venture, partnership, or employment relationship between you and us, or between us and any Provider. We do not have authority to bind any Provider, and no Provider has authority to bind us.
15. Dispute Resolution by Binding Arbitration
PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS.
15.1 Agreement to Arbitrate
You and Local Burial Program agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Website, or our services (a "Claim") will be resolved through binding individual arbitration rather than in court, except as described below. Before starting an arbitration, you agree to contact us at [email protected] and attempt in good faith to resolve the Claim informally for at least 30 days.
15.2 Class Action Waiver
Any arbitration will be conducted only in an individual capacity, not as a class, collective, consolidated, or representative action. The arbitrator may not combine more than one person’s claims and may not preside over any class or representative proceeding. If this class-action waiver is found unenforceable, this entire Section 15 is null and void, and Claims will instead be resolved in the courts identified in Section 18.
15.3 Arbitration Procedures
Arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, before a single arbitrator, and governed by the Federal Arbitration Act. Unless otherwise agreed, the arbitration will take place in the county where you reside, or may be conducted by phone, video conference, or submission of documents, as the AAA Rules provide.
15.4 Exceptions
This arbitration agreement does not prevent you from bringing an individual claim in small claims court, or from reporting a dispute to a federal, state, or local government agency, including the Federal Communications Commission or Federal Trade Commission.
13. Contact Information
If you have any questions about these Terms and Conditions, please contact us:
Local Burial Program
Email: [email protected]
Website:https://localburialprogram.com
Response Time: We will respond to your privacy inquiries within 30 business days.
Important Information About Local Burial Program
Local Burial Program is not an insurance company, insurance agent, or underwriter. We are a platform that connects individuals with licensed insurance carriers and agents who provide final expense insurance coverage. Insurance products are underwritten and provided by licensed insurance companies, not by Local Burial Program.
By using our services, you acknowledge that you understand our role as a connection platform and agree to these Terms and Conditions.