Privacy Policy

Effective Date: March 1, 2026  |  Last Updated: March 1, 2026  |  Operated by: Ebbiflow LLC

1. Who We Are

CoverFinalExpense.com is owned and operated by Ebbiflow LLC ("we," "us," or "our"), a Florida-based lead generation and marketing company. We are not an insurance company, insurance agency, or licensed insurance agent. We operate a consumer referral service that connects individuals seeking final expense life insurance information with licensed insurance professionals.

This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or submit a quote request. Please read it carefully. By using our site or submitting a form, you agree to the practices described here.

For questions, contact us at: info@ebbiflow.com

2. Information We Collect

Information You Provide Directly

When you submit a quote request form, we collect:

• First Name and Last Name
• Phone Number — used by licensed agents to contact you
• Email Address — used for follow-up communication
• Date of Birth — used to confirm age eligibility (50–85)
• State of Residence
• Language Preference (English or Spanish)

Information Collected Automatically

When you visit our website, we and our third-party service providers may automatically collect:

• IP address and general geographic location
• Browser type and device information
• Pages visited, time on site, and referring URL
• UTM parameters from advertising links (utm_source, utm_medium, utm_campaign, etc.)
• TrustedForm Certificate URL — a compliance token generated by ActiveProspect's TrustedForm service that documents the consent you provided when submitting a form. This certificate is transmitted with your lead data to document TCPA compliance.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies from third-party services including:

• Meta (Facebook) Pixel — tracks page views and form submission events for advertising optimization. Data is governed by Meta's Privacy Policy.
• Google Analytics 4 (GA4) — tracks website traffic and user behavior. Data is governed by Google's Privacy Policy.
• Google Ads — conversion tracking for paid search campaigns.

You may opt out of interest-based advertising by visiting aboutads.info or by adjusting your browser's cookie settings.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To match you with licensed insurance agents — your contact information and preferences are shared with one or more licensed insurance professionals who will contact you to discuss final expense coverage options.
• To comply with TCPA and other applicable laws — we retain records of your consent, including the TrustedForm certificate, to document the legal basis for any marketing contact.
• To improve our service — we analyze website traffic and form submission data to improve the user experience.
• To run advertising campaigns — we use conversion data to optimize paid media campaigns on Meta and Google.
• To communicate with you — if you have provided your contact information, we or our agent partners may follow up with you by phone, text message, or email regarding your quote request.

4. How We Share Your Information

We share your personal information only as described below. We do not sell your information to unrelated data brokers.

Licensed Insurance Agents and IMOs

When you submit a quote request, your contact information and form data are transmitted in real time to one or more licensed insurance agents or Insurance Marketing Organizations (IMOs) in our network. These agents are licensed by their respective state insurance departments and are required by law to act in your interest. By submitting a form on this site, you expressly consent to be contacted by these agents via telephone, automated dialing systems, prerecorded messages, and/or text message, even if your number is on a Do Not Call list.

Compliance and Technology Service Providers

• ActiveProspect (TrustedForm) — receives form submission data to generate a consent certificate documenting your TCPA consent.
• Make.com — our automation platform receives and routes lead data to the appropriate agent.
• Twilio — may be used to send SMS notifications related to your request.
• Google Sheets / Google Workspace — lead data is logged for operational and compliance purposes.

Legal Requirements

We may disclose your information if required to do so by law, court order, or government authority, or to protect the rights, property, or safety of Ebbiflow LLC, our users, or the public.

Business Transfers

In the event of a merger, acquisition, or sale of all or a portion of our assets, your personal information may be transferred as part of that transaction. You will be notified of any such change via a notice on our website.

5. TCPA Consent and Your Communication Rights

By submitting a quote request on this site, you provide your express written consent — as required by the Telephone Consumer Protection Act (TCPA) — to be contacted by CoverFinalExpense.com and licensed insurance agents via telephone, automated telephone dialing systems, prerecorded or artificial voice messages, and/or text/SMS messages at the phone number you provided, even if that number is on a state or national Do Not Call registry. Your consent is not required as a condition of purchasing any insurance product or service.

Revoking Consent

You may revoke your consent to be contacted at any time by:

• Replying STOP to any text message you receive
• Stating verbally to any agent that you wish to be removed from contact
• Emailing us at info@ebbiflow.com with the subject line "Revoke Consent"

We will process revocation requests within 10 business days as required by law. Please note that revoking consent with us does not automatically revoke consent with any insurance agent who has already received your information — you may need to contact them separately.

6. Data Retention

We retain your personal information for as long as reasonably necessary to fulfill the purposes described in this policy and to comply with our legal obligations, including TCPA documentation requirements. Lead data and consent records are typically retained for a minimum of 5 years to support regulatory compliance.

7. Data Security

We implement commercially reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. Form submissions are transmitted over encrypted HTTPS connections. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

8. Children's Privacy

Our services are intended for adults ages 50 and older. We do not knowingly collect personal information from anyone under the age of 18. If you believe we have inadvertently collected information from a minor, please contact us immediately at info@ebbiflow.com.

9. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier websites and licensed agent resources. We are not responsible for the privacy practices of those sites. We encourage you to review their privacy policies before providing any personal information.

10. Florida Residents

Florida residents have certain rights regarding their personal information under applicable state law. If you are a Florida resident and wish to request access to, correction of, or deletion of your personal information in our records, please contact us at info@ebbiflow.com. We will respond to verifiable requests within a reasonable timeframe.

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last Updated" date at the top of this page. Your continued use of our website after any changes constitutes acceptance of the updated policy. We encourage you to review this page periodically.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

See also: Terms of Service | Agent Disclosure