Legal Information

What We Collect

We collect information you provide directly when using our funeral planner, contacting us, or making a purchase. This may include:

• First name and contact information (email address, phone number)
• Military service details (branch of service, veteran or spouse status)
• Funeral and end-of-life planning preferences (disposition, service wishes, legacy instructions)
• Insurance application information, where you choose to initiate a quote or policy review
• Purchase and transaction records from our Memorial Shop

We also automatically collect limited technical data when you visit our site, including IP address, browser type, device type, referring pages, and pages visited. This is collected through standard server logs and analytics tools.

How We Use Your Information

We use the information we collect to:

• Operate and improve the funeral planner and your saved plan
• Connect you with licensed insurance professionals and preplanning specialists when you request it
• Respond to inquiries and provide customer support
• Process Memorial Shop orders and send order confirmations
• Send service-related communications (e.g., plan save confirmations, updates to your account)
• Comply with applicable law, insurance regulations, and licensing requirements
• Analyze usage to improve our tools and content

We do not use your funeral planning preferences or personal information to serve you behavioral advertising.

Sharing & Disclosure

We do not sell your personal information. We may share your information in the following limited circumstances:

• Licensed insurance carriers and partners — only when you actively initiate a quote, application, or policy review through our site
• Service providers — vendors who help us operate the site (hosting, analytics, email delivery, payment processing) under contractual confidentiality obligations
• Travel protection partners — if you purchase or inquire about travel protection products (Sepio Guard or similar), relevant information is shared with the underwriting carrier
• Legal requirements — when required by law, subpoena, or regulatory inquiry; or to protect the safety, rights, or property of our users or the public
• Business transfers — in the event of a merger, acquisition, or sale of assets, your information may transfer to a successor entity under the same privacy obligations

Consent to Be Contacted

Consent is not a condition of purchase. Message and data rates may apply. You may revoke consent at any time by replying STOP to a text message, asking a representative to remove you from contact lists, or emailing info@veteranfuneralplanning.com. We honor the National Do Not Call Registry and applicable state do-not-call laws; if you have given us prior express consent, we may contact you notwithstanding your registration until you revoke that consent.

We will not sell your phone number to unaffiliated third parties for their own marketing purposes.

Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services, comply with our legal and regulatory obligations (including insurance recordkeeping requirements, which in many states require records to be kept for several years), resolve disputes, and enforce our agreements.

When information is no longer required, we securely delete or anonymize it. You may request deletion of your account and planning data at any time, subject to records we are legally required to retain.

Security

We take reasonable administrative, technical, and physical measures to protect your personal information from unauthorized access, loss, or misuse. Sensitive data (including insurance application information) is transmitted over encrypted connections (TLS/HTTPS). No method of transmission or storage is completely secure; we cannot guarantee absolute security, but we are committed to industry-standard protections.

Your funeral planning preferences are stored under your account and are not accessible to other users. You may delete your account and associated data at any time by contacting us.

Your Rights

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information, subject to legal retention obligations
• Opt out of certain uses of your data for marketing purposes
• Receive a copy of your data in a portable format

To exercise any of these rights, contact us at info@veteranfuneralplanning.com. We will respond within 30 days. We will not discriminate against you for exercising your privacy rights.

California residents: Under the California Consumer Privacy Act (CCPA/CPRA), you have additional rights including the right to know, delete, and opt out of the sale or sharing of personal information. We do not sell personal information. To submit a verifiable consumer request, contact us at the address above.

Children's Privacy

Our services are intended for adults aged 18 and older. We do not knowingly collect personal information from children under 18. If you believe a minor has provided us with personal information, please contact us at info@veteranfuneralplanning.com and we will promptly delete it.

Cookies & Tracking

We use cookies and similar technologies to keep you signed in, remember your planner progress, and understand how visitors use our site. We use analytics tools (such as Google Analytics or similar) in an anonymized fashion to measure aggregate traffic patterns.

You may disable cookies through your browser settings. Disabling cookies may affect the functionality of the funeral planner, including your ability to save and resume a plan.

Use of the Service

Veteran Funeral Planning provides a free online funeral planning tool, educational resources about VA burial benefits, and access to licensed insurance and preplanning professionals. The service is available to U.S. residents who are veterans, active-duty service members, or their immediate family members.

You agree to use the service only for lawful purposes. You may not:

• Provide false or misleading information in your account or planning documents
• Attempt to access another user's account or planning data
• Use the service in any way that could damage, disable, or impair our systems
• Copy, distribute, or commercialize any part of the service or its content without written permission

Educational Purposes Only — Not Legal or Medical Advice

The funeral planner is a tool to help you document and communicate your personal wishes. A completed plan is not a legally binding document and does not replace a will, advance directive, power of attorney, or other legal instrument. Laws governing preplanning documents, funeral arrangements, and advance directives vary by state.

Insurance Products & Referrals

When you request a quote, policy review, or connection to a licensed professional through our site, you are initiating a referral to licensed insurance agents or agencies. All insurance products described or offered through this site are:

• Subject to underwriting approval by the issuing carrier
• Offered only in states where we or our partners hold an active license
• Described in general terms; actual policy terms, benefits, and exclusions are governed by the issued policy documents
• Not guaranteed to be available to every applicant

Life insurance, preneed funeral insurance, and final expense products mentioned on this site are sold through licensed agents. We may receive compensation when products are purchased through our referral. This compensation does not affect the price you pay or the advice you receive.

Travel protection products (including Sepio Guard) are offered by and underwritten by their respective carriers. Coverage details, exclusions, and pricing are determined by those carriers and are set forth in the applicable policy documents.

VA Benefit Information & Estimates

We make every effort to keep benefit information current and accurate, but VA policies and payment schedules may change. Always verify current benefit eligibility and amounts directly with the VA or a VA-accredited Veterans Service Officer (VSO).

Third-Party Links & Resources

Our site contains links to third-party websites and resources — including the U.S. Department of Veterans Affairs, the National Association of Insurance Commissioners (NAIC), the National Archives, and accredited Veterans Service Organizations. These links are provided for your convenience and information only.

We do not control and are not responsible for the content, accuracy, privacy practices, or availability of any third-party site. A link does not imply our endorsement of that site or its operator. We encourage you to review the terms and privacy policy of any third-party site you visit.

Limitation of Liability

To the fullest extent permitted by applicable law, Veteran Funeral Planning, LLC, its officers, agents, and partners shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of the service, reliance on information provided, or the actions of any third-party professional or insurance carrier to whom you are referred.

Our total liability to you for any claim arising out of or relating to these terms or the service shall not exceed the amount you paid us in the twelve months preceding the claim, or one hundred dollars ($100), whichever is greater.

Some jurisdictions do not allow certain limitations on liability. In those jurisdictions, our liability is limited to the greatest extent permitted by law.

Changes to These Terms

We may update these terms from time to time. When we do, we will update the effective date at the top of this page. Material changes will be communicated via email to registered account holders or by a notice on our website. Continued use of the service after changes are posted constitutes your acceptance of the updated terms.

These terms are governed by the laws of the state in which Veteran Funeral Planning, LLC is domiciled, without regard to conflict of law principles. Disputes shall be resolved in the state or federal courts of that jurisdiction.

Who We Are

Veteran Funeral Planning, LLC is an independent insurance agency specializing in final expense life insurance, preneed funeral planning insurance, and preplanning guidance for veterans and their families. Our principals hold active insurance producer licenses in the states in which we operate.

We are independent agents and are not exclusive to any single carrier. We work with multiple licensed insurance carriers to provide options appropriate to your needs. Our recommendations are based on your stated goals and circumstances, not on carrier compensation alone.

State Licensing

We comply with the insurance laws and regulations of each state in which we operate, including applicable suitability, disclosure, and anti-money-laundering requirements.

Regulatory Disclosures

Life Insurance Buyer's Guide:If you are applying for a life insurance policy, you have the right to receive a Buyer's Guide before you sign the application. The NAIC Life Insurance Buyer's Guide is available at content.naic.org.

Free Look Period: Most life insurance and preneed policies include a free-look period (typically 10–30 days depending on your state and policy type) during which you may cancel your policy for a full refund of premiums paid. Refer to your policy documents for the specific period applicable to your policy.

Complaints:If you have a complaint about an insurance product or service, you may contact your state's Department of Insurance. Contact information for all state insurance regulators is available through the NAIC State Insurance Department directory.

No Affiliation with the VA: Veteran Funeral Planning is a private company and is not affiliated with, sponsored by, or endorsed by the U.S. Department of Veterans Affairs or any other federal or state government agency. References to VA benefits are for informational purposes only.

Accessibility Commitment

We are committed to making our website accessible to all visitors, including veterans and family members with disabilities. We strive to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA and continually work to improve the accessibility of our funeral planner and resources.

If you encounter any difficulty using our site, or need assistance completing a plan or accessing information in an alternative format, please contact us at info@veteranfuneralplanning.com and we will be glad to help.