TERMS OF SERVICE

1. Acceptance of Terms & Legal Agreement

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Illinois Senior Family Protection Group ("Company," "we," "us," or "our"), governing your access to and use of https://crematorychicago.com (the "Website"), including all associated calculators, content, and telephone routing services.

By accessing, browsing, or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must discontinue use of the Website immediately.

2. Educational & Referral Nature of Service

crematorychicago.com is an independent digital information and cost estimation platform designed to help seniors and families explore final expense planning options and regional funeral expenses. We are not an insurance company, insurance carrier, funeral home, mortuary, or government agency.

We do not issue insurance policies, underwrite risk, or collect insurance premiums. Our service connects interested consumers with independent, third-party state-licensed life insurance professionals and carrier networks.

3. Department of Insurance (DOI) Underwriting & No-Guarantee Disclaimer

CRITICAL NOTICE: All senior final expense life insurance policies, coverage tiers (up to $40,000), premium schedules, and benefits are subject to formal carrier medical underwriting and final approval by participating insurance carriers. Specifically:

• No Guaranteed Acceptance: We do not offer or imply guaranteed policy issuance or automated underwriting commitments. Policy issuance is subject to individual carrier medical underwriting criteria, applicant health history, age, and state availability.
• Estimates Only: Figures generated by our cost calculators and planning tools are educational benchmarks based on regional averages and do not constitute formal insurance rate quotes or binding offers.
• Carrier Authority: Actual premium rates, policy riders, contestability clauses, and coverage terms are established solely by the underwriting life insurance carrier upon receipt and formal review of an application.

4. Third-Party Data Sourcing & Industry Benchmarks

Median funeral, burial, and cremation arrangement costs referenced throughout this Website are based on national and regional industry research published by the National Funeral Directors Association (NFDA) General Price List Study and local statutory schedules (such as the Cook County Medical Examiner permit fee under 55 ILCS 5/3-3017). Actual costs charged by independent funeral service providers may vary based on specific selections, locality, and market changes.

5. Eligibility & User Responsibilities

By accessing this Website, you represent and warrant that:

• You are an individual of at least 18 years of age residing in the United States.
• Any information you provide in our estimation tools is accurate to the best of your knowledge.
• You will not use the Website for any unlawful, deceptive, or malicious purpose, including automated data harvesting, scraping, or transmission of malicious code.

6. Telephone Inquiries & Licensed Agent Communications

When you initiate telephone contact via our published number ((844) 434-1550), you understand that your call is routed to state-licensed life insurance agents who can answer your questions, explain carrier underwriting criteria, and provide personalized rate quotes. You are under no obligation to purchase insurance or submit an application.

7. Intellectual Property Rights

All content on this Website—including but not limited to text, calculation logic, software, graphic elements, layout, logos, and trademarks—is the proprietary property of Illinois Senior Family Protection Group or its licensors and is protected by United States copyright, trademark, and unfair competition laws. You may not copy, reproduce, distribute, or create derivative works without our prior written consent.

8. Disclaimer of Warranties

THIS WEBSITE, ITS CONTENT, AND ESTIMATION TOOLS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE ERROR-FREE, UNINTERRUPTED, OR FREE OF VIRUSES OR HARMFUL COMPONENTS.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL Illinois Senior Family Protection Group, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, OR AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES (INCLUDING LOSS OF PROFITS, DATA, OR USE) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THIS WEBSITE OR RELIANCE ON ANY CONTENT OR ESTIMATES CONTAINED HEREIN, REGARDLESS OF THE THEORY OF LIABILITY.

10. Indemnification

You agree to defend, indemnify, and hold harmless Illinois Senior Family Protection Group, its affiliates, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, or expenses (including reasonable attorney fees) arising out of or relating to your violation of these Terms or your use of the Website.

11. Governing Law & Dispute Resolution (Binding Arbitration)

These Terms and any dispute arising out of or related to this Website shall be governed by and construed in accordance with the laws of the State of Illinois, without giving effect to any principles of conflicts of law.

Any dispute, controversy, or claim arising out of or relating to these Terms or the breach thereof shall be resolved through binding individual arbitration administered in Cook County, Illinois, or your county of residence, in accordance with the rules of the American Arbitration Association. YOU AND THE COMPANY 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 OR REPRESENTATIVE PROCEEDING.

12. Severability & Entire Agreement

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions. These Terms and our Privacy Policy constitute the entire agreement between you and Illinois Senior Family Protection Group regarding your use of the Website.

13. Contact Us

If you have any questions or concerns regarding these Terms of Service, please contact us: