Terms & Conditions

1. Agreement to These Terms

These Terms & Conditions (these “Terms”) are a binding agreement between you and BizProfitMinded LLC (“BizProfitMinded,” “Company,” “we,” “us,” or “our”) and govern your access to and use of the website(s) we operate, including www.secureseniorsbenefit.com and any related pages, subdomains, and landing pages (collectively, the “Sites”), as well as any communications you receive from us by phone, text message (SMS/MMS), email, or otherwise (together with the Sites, the “Services”).

By accessing or using the Services, by submitting your information through any form on the Sites, by clicking a “Submit,” “Get a Quote,” “Get My Rates,” or similar button, by checking a consent checkbox, or by otherwise communicating with us, you acknowledge that you have read, understood, and agree to these Terms and to our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree to these Terms, do not use the Services or submit your information.

IMPORTANT: These Terms contain a binding individual arbitration provision and a class-action waiver (Sections 18–19) that affect how disputes are resolved, as well as important disclaimers and limitations of liability. Please read them carefully.

2. Eligibility

You must be at least 18 years of age and a resident of the United States to use the Services. By using the Services, you represent and warrant that you meet these requirements, that the information you provide relates to you (or to a person for whom you have legal authority to act and to bind to these Terms), and that you are not prohibited by any applicable law from using the Services.

3. Who We Are — Important Disclosures

BizProfitMinded LLC is a marketing and advertising company. We are not an insurance company, insurance agency, or insurance producer, and we do not sell, solicit, negotiate, underwrite, bind, or issue insurance of any kind. We operate advertising campaigns and landing pages that allow consumers who are interested in final expense life insurance (and related products) to request information and to be connected with third parties who may be able to assist them.

We do not:

• provide insurance quotes, insurance advice, financial advice, legal advice, or tax advice;
• recommend, endorse, or guarantee any particular insurance product, carrier, agent, plan, rate, or coverage amount;
• determine your eligibility for any product or guarantee that you will be approved for or offered any coverage; or
• operate our own insurance call center or employ the licensed agents who may ultimately speak with you.

Instead, we connect consumers with, and may route telephone calls to, independent third parties — including licensed insurance agents and agencies, insurance carriers, brokers, lead buyers, marketing partners, and lead-generation networks (collectively, “Partners”). Any insurance product you may ultimately be offered is sold solely by a licensed third party and issued solely by a licensed insurance carrier. BizProfitMinded is not a party to, and is not responsible for, any transaction, recommendation, quote, policy, or advice that occurs between you and any Partner or carrier.

4. No Government Affiliation

BizProfitMinded is a private company. We are not affiliated with, endorsed by, or sponsored by Medicare, Medicaid, the Social Security Administration, the Centers for Medicare & Medicaid Services (CMS), the U.S. Department of Veterans Affairs, or any other federal, state, or local government agency or program. “Final expense” insurance is a form of privately issued life insurance and is not a government benefit or program. Any references to government programs on the Sites are for general informational context only and do not imply any affiliation or endorsement.

5. Nature of the Services; No Offer of Insurance

Information presented on the Sites — including any figures, ranges, examples, or illustrations of possible coverage or pricing — is provided for general informational and marketing purposes only. It is not an offer of insurance, an application for insurance, a binding quote, or a promise of coverage, price, or eligibility. Actual availability, eligibility, premiums, terms, and coverage are determined solely by a licensed carrier through its own underwriting process and may differ materially from anything shown on or through the Services.

No insurance coverage is or will be in force unless and until a policy is issued by a licensed carrier, accepted by you, and any conditions of issuance (such as payment of the initial premium) are satisfied. Submitting your information through the Services creates no obligation on your part to purchase anything, and creates no obligation on our part or any Partner’s part to offer you any product.

6. How the Services Work

When you submit your information through the Sites or contact us, you understand and agree that:

• we may use the information you provide to attempt to connect you with one or more Partners who may be able to offer or discuss final expense life insurance or other products or services;
• we, and/or one or more Partners, may contact you by telephone call, text message, email, or other means using the contact information you provide, consistent with the consent you give and Section 7 below;
• inbound and outbound telephone calls may be routed, transferred, or sold to Partners on a “pay-per-call,” per-lead, or similar basis, and the Partner who speaks with you — not BizProfitMinded — is responsible for the content and conduct of that call and any sale;
• we do not control, and are not responsible for, the scripts, statements, representations, sales practices, licensing, products, pricing, or conduct of any Partner; and
• the fact that we connect you with a Partner is not a recommendation or endorsement of that Partner or of any product the Partner offers.

You are never required to purchase anything, and you may end any call or communication at any time. We encourage you to independently verify the licensing of any agent or carrier and to review any policy documents carefully before purchasing.

7. Communications and Consent (Calls, Texts & Email)

7.1 Prior Express Written Consent

If you submit your information through a form on the Sites, check a consent checkbox, or otherwise opt in, you provide your prior express written consent for BizProfitMinded and its Partners (as described in Section 3 and identified at, or linked from, the point of opt-in) to contact you at the telephone number(s) and email address(es) you provide, for the purposes described in the consent disclosure presented to you at the time of submission, including:

• recurring marketing, promotional, sales, and customer-care telephone calls and text messages (SMS and MMS) about final expense life insurance and other products and services that may be of interest to you;
• calls and messages delivered using an automatic telephone dialing system, an automated or prerecorded voice, artificial intelligence (AI)-generated voice technology, and/or ringless voicemail; and
• such contact at the number you provide even if that number is listed on any federal, state, or corporate Do-Not-Call registry.

Consent is not a condition of purchase. You are not required to provide this consent, or to agree to receive automated calls or texts, in order to obtain information, speak with an agent, or purchase any product. You may instead contact us directly using the details in Section 23. Message and data rates may apply, and message frequency varies.

Identity of the parties who may contact you. The parties authorized to contact you under your consent are BizProfitMinded LLC and the Partner(s) identified to you at the point of consent (including in any list of marketing partners made available or linked at the point of opt-in). We maintain records of the consent you provide, including the disclosure text, the webpage, and the date and time of your submission.

7.2 Revocation of Consent (Opt-Out)

You may revoke your consent and opt out of communications at any time, by any reasonable means, including:

• replying STOP (or QUIT, END, CANCEL, UNSUBSCRIBE, OPT OUT, or REVOKE) to any text message;
• telling any representative on a call that you wish to be placed on our internal Do-Not-Call list;
• clicking the unsubscribe link in any marketing email; or
• sending a request to the email or mailing address in Section 23.

We will honor your opt-out request within a reasonable time, not to exceed 10 business days after receipt. An opt-out request received through one channel will be treated as a request to stop marketing communications across all channels covered by your original consent, except where you have specified a narrower request. After you opt out, we may send a single confirmation message acknowledging your request. If you have separately consented to receive communications directly from a Partner, you may also need to opt out with that Partner directly.

7.3 Text Messaging Program Terms (SMS/MMS)

If you consent to receive text messages, you agree to the following program terms:

• Program sponsor: BizProfitMinded LLC.
• Program description: recurring automated marketing and customer-care SMS/MMS messages relating to your inquiry, including follow-up, scheduling, and offers regarding final expense life insurance and other products and services.
• Message frequency: varies based on your interaction with us.
• Cost: message and data rates may apply, depending on your wireless plan. We do not charge for the messages, but your wireless carrier may.
• Opt-out: reply STOP to any message to stop. You will receive one final confirmation message.
• Help: reply HELP for help, or contact us using the details in Section 23.
• Carriers: supported carriers include major U.S. wireless carriers. Carriers are not liable for delayed or undelivered messages.
• Privacy: the handling of your mobile information is governed by our Privacy Policy. We do not sell, rent, or share mobile opt-in data or consent for the purpose of others’ marketing; message deliverability may involve subcontracted communications providers (such as our SMS platform provider) acting on our behalf.

If you change or relinquish the mobile number you provided, you agree to notify us promptly so that messages are not sent to a person who has not consented. You agree not to hold us liable for messages sent to a number you no longer control where you did not notify us.

7.4 Telephone Call Program Terms

Outbound calls may be placed using an automatic telephone dialing system and may use automated, prerecorded, or AI-generated voices. Calls will be placed only within the hours permitted by the federal Telephone Consumer Protection Act (TCPA) — generally between 8:00 a.m. and 9:00 p.m. in your local time zone — and within any stricter hours required by the law of your state. You may opt out of calls at any time as described in Section 7.2.

7.5 Recording and Monitoring of Calls

Telephone calls between you and BizProfitMinded or its Partners may be monitored, recorded, and transcribed for quality assurance, training, compliance, and other lawful business purposes. By communicating with us or a Partner by phone, you consent, to the extent permitted by law, to such monitoring, recording, and transcription. In states that require the consent of all parties, an additional verbal disclosure may be provided at the start of the call.

7.6 Email Communications

If you provide your email address, you consent to receive emails from us relating to your inquiry and to marketing emails regarding products and services that may interest you. Every marketing email includes an unsubscribe mechanism, consistent with the federal CAN-SPAM Act. You may unsubscribe at any time; transactional or relationship messages responding to your specific requests may still be sent.

8. Third-Party Conduct — Disclaimer and Assumption of Risk

BizProfitMinded does not control and is not responsible for the acts or omissions of any Partner, agent, agency, carrier, broker, or other third party with whom you may be connected through the Services. This includes, without limitation, any statement, representation, script, disclosure, sales practice, licensing status, product, price, policy term, claim decision, or communication made by any such third party. Your interactions and any transactions with a Partner or carrier are solely between you and that party and are governed by that party’s own terms, policies, and licensing obligations.

While we seek to work with reputable Partners and may impose contractual compliance obligations on them, we do not guarantee, and are not liable for, any Partner’s compliance with applicable law or the quality, suitability, or outcome of any product or service a Partner offers. Any dispute you have with a Partner or carrier must be resolved directly with that party.

9. Information You Provide; Accuracy

You represent and agree that all information you provide through the Services is true, accurate, current, and complete, that the telephone number(s) you provide belong to you and that you are the regular user and subscriber of those number(s), and that you are authorized to provide the information and consents you submit. You agree to update us promptly if your information changes. Providing false, inaccurate, or unauthorized information (including a phone number you are not authorized to provide) is a violation of these Terms.

10. Acceptable Use

When using the Services, you agree that you will not:

• provide false, misleading, fraudulent, or unauthorized information, including a telephone number you are not authorized to provide;
• impersonate any person or misrepresent your identity or authority to act on behalf of another;
• use the Services for any unlawful purpose or in violation of any applicable law or regulation;
• use any automated system (bots, scrapers, crawlers) to access the Services, other than standard search-engine indexing in accordance with our robots.txt;
• attempt to gain unauthorized access to, interfere with, or disrupt the Services or related systems, or introduce viruses or other malicious code;
• reverse engineer, decompile, or disassemble any part of the Services;
• copy, modify, distribute, sell, lease, or create derivative works from any part of the Services or our content without our permission; or
• collect or harvest information about other users.

We reserve the right to investigate and take appropriate legal action against anyone who violates these provisions, and to restrict or terminate access to the Services.

11. Intellectual Property

All content on the Sites — including text, graphics, logos, images, video, audio, software, and the “look and feel” of the Sites — is owned by BizProfitMinded LLC or our licensors and is protected by United States and international intellectual-property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Sites for your personal, non-commercial purpose of requesting information. You may not otherwise copy, reproduce, modify, distribute, display, publish, license, or sell any content from the Sites without our prior written permission. “BizProfitMinded” and our logos are trademarks of BizProfitMinded LLC; all other trademarks are the property of their respective owners.

11.1 Feedback

If you send us suggestions, feedback, or ideas, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use them for any purpose without any obligation to you.

12. Third-Party Websites and Links

The Sites may contain links to, or route you to, third-party websites, tools, and services that we do not own or control, including Partner and carrier sites. We are not responsible for the content, products, privacy practices, or conduct of any third party. Your use of any third-party site or service is at your own risk and is governed by that party’s own terms and privacy policy.

13. Changes to the Services

We may modify, suspend, or discontinue any part of the Services at any time, with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Services.

14. Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BIZPROFITMINDED DISCLAIMS ALL WARRANTIES, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

BizProfitMinded does not warrant that: the Services will be uninterrupted, timely, secure, or error-free; any information obtained through the Services will be accurate or reliable; you will be matched with any Partner or offered any product; any product, quote, or rate discussed by a Partner will be available or accurate; or any call, text, or email will be delivered successfully. Some jurisdictions do not allow the exclusion of certain implied warranties, so some of the foregoing may not apply to you.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL BIZPROFITMINDED LLC OR ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES — INCLUDING WITHOUT LIMITATION LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION — ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SERVICES, OR TO ANY INTERACTION WITH OR CONDUCT OF ANY PARTNER OR CARRIER, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

BIZPROFITMINDED’S TOTAL CUMULATIVE LIABILITY FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100.00). THESE LIMITATIONS APPLY TO ANY THEORY OF LIABILITY, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.

Some jurisdictions do not allow the limitation of incidental or consequential damages, so the above limitations may not apply to you. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

16. Indemnification

You agree to indemnify, defend, and hold harmless BizProfitMinded LLC and its members, managers, officers, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: your use of the Services; your violation of these Terms; your violation of any law or the rights of any third party (including providing a telephone number you were not authorized to provide); or any information you submit to us. We may assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense.

17. Governing Law

These Terms and any dispute arising out of or relating to them or the Services are governed by the laws of the State of Wyoming, without regard to its conflict-of-laws principles. Subject to Sections 18–19, you agree to the exclusive jurisdiction of the state and federal courts located in Sheridan County, Wyoming for any dispute not subject to arbitration.

18. Class-Action Waiver

YOU AND BIZPROFITMINDED AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, REPRESENTATIVE, OR CONSOLIDATED ACTION.

The arbitrator may not consolidate the claims of multiple persons or preside over any form of class or representative proceeding. If this class-action waiver is found unenforceable, then the entirety of Section 19 (Dispute Resolution and Arbitration) will be null and void, but the rest of these Terms will remain in effect.

19. Dispute Resolution and Binding Arbitration

Please read this Section carefully. It affects your legal rights, including your right to a jury trial and to participate in a class action.

19.1 Informal Resolution

Before starting an arbitration, you and BizProfitMinded agree to try to resolve any dispute informally for at least 30 days. To begin, send a written notice describing the dispute and the relief sought to the address in Section 23, including your name, contact information, and a description of the claim.

19.2 Binding Arbitration

If the dispute is not resolved within 30 days, any dispute, claim, or controversy arising out of or relating to these Terms or the Services (except as excluded below) will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, as modified by these Terms, before a single arbitrator. The Federal Arbitration Act governs the interpretation and enforcement of this Section. The seat of arbitration will be Sheridan County, Wyoming, but the arbitrator may allow appearances by telephone, video, or written submission.

19.3 Exceptions

Either party may bring an individual claim in small-claims court, and either party may seek injunctive or equitable relief to protect intellectual-property rights. Any claim that applicable law prohibits from being arbitrated is excluded from arbitration.

19.4 30-Day Opt-Out

You may opt out of this arbitration agreement by sending written notice to the address in Section 23 within 30 days of first accepting these Terms, including your name, contact information, and a clear statement that you wish to opt out of arbitration. If you opt out, you remain bound by the rest of these Terms.

19.5 Survival

This Section survives termination of these Terms or your relationship with us.

20. Term and Termination

These Terms remain in effect while you use the Services. We may restrict, suspend, or terminate your access at any time, with or without notice, for any reason, including any violation of these Terms. Provisions that by their nature should survive termination will survive, including Sections 8, 11, 14, 15, 16, 18, 19, and 23.

21. Changes to These Terms

We may update these Terms from time to time. The “Last Updated” date above reflects the most recent change. Material changes will be communicated through a prominent notice on the Sites or, where required by law, by direct notice. Your continued use of the Services after a change becomes effective constitutes acceptance of the revised Terms. If you do not agree, you must stop using the Services.

22. Severability, Waiver & Assignment

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any provision is not a waiver of it. These Terms (together with the Privacy Policy) constitute the entire agreement between you and us regarding the Services. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, sale of assets, or by operation of law.

23. Contact Us

For privacy questions, see our Privacy Policy. For SMS help, reply HELP to any message. For arbitration opt-out notices and dispute notices, send your written notice to the mailing address above, addressed to “Legal Notice.”