Terms of Service

When you create an account, you must affirmatively accept these Terms through the account registration flow. That recorded acceptance governs use of signed-in planning features. Browsing the public informational pages alone is not consent to binding arbitration, a class-action waiver, or any other contract provision that requires your agreement. Review the Privacy Policy and, where relevant, the Consumer Health Data Privacy Policy. If you do not agree to the Terms, do not register or use the signed-in tools.

You must be at least 18 years old to create or use a Funeral Funnel account. We record an age-of-majority attestation rather than asking for your date of birth.

Acceptance of these Terms is not the separate consent used for sensitive planning information. When that consent is required, Funeral Funnel presents it separately before access to private planning tools.

Funeral Funnel is operated by Cabrales Holdings LLC ("Funeral Funnel," "we," "us," or "our"). You use this organizational service voluntarily. You remain responsible for deciding how to use planning information, reviewing your documents, checking applicable deadlines, and choosing and contracting directly with third-party providers. Funeral Funnel is not a party to those separate provider agreements.

Independently confirm requirements, professional qualifications, licenses, current prices, and other information before making important decisions. These responsibilities do not excuse Funeral Funnel from its own obligations or remove rights that cannot be waived by law.

• Provide accurate account information and keep it current.
• Protect your password and devices and notify us of suspected unauthorized access.
• You are responsible for activity performed through your account unless prohibited by law.
• Do not share an account when separate family access and permissions should be used.
• Do not use another person's credentials or misrepresent your authority to act for a person or estate.

Private planning tools may collect information such as religious or cultural preferences, health or end-of-life circumstances, veteran or benefits information, sensitive documents, and AI inputs or drafts. Funeral Funnel requires a separate sensitive-data consent before those private planning tools are used. You may later withdraw that consent for future collection from Privacy & account settings. Withdrawal does not by itself delete information already stored; use the available deletion tools or a privacy request.

New plans about another living person are temporarily unavailable until Funeral Funnel can establish a legally sufficient consent or representative-authorization process. Do not place another living person's health, identity, financial, or other private information into a self-plan, free-text note, attachment, or AI prompt to bypass this restriction. An account holder's general consent does not automatically establish another person's permission. Existing plans remain subject to privacy rights and restrictions, including applicable access and deletion requests.

You retain responsibility for information, documents, messages, and other content you submit. You grant Funeral Funnel a limited, non-exclusive license to host, process, reproduce, and transmit that content only as needed to operate, secure, and support the service. Any optional product-improvement use requires the disclosures, limitations, and separate consent or authorization specified in the Privacy Policy and applicable law.

• Upload only content you have the right and authority to use and share.
• Invite only trusted people, choose access levels carefully, and remove access when it is no longer appropriate.
• Family access is a separate sharing action; your sensitive-data consent does not automatically authorize a family member.
• Do not upload malware, unlawful content, or content that infringes another person's rights.
• Do not treat Funeral Funnel permissions as a substitute for professional estate, guardianship, healthcare, or authorization documents.

Accepting these Terms is not permission to share your consumer health data. The separate sensitive-data checkbox for collecting and using information is not permission to disclose it to other people. If you decide to share your own planning information, the Family & helpers screen will present another clear, unchecked choice before allowing new access. You can keep your plan private and use the core planning tools without agreeing to family sharing.

That optional sharing choice covers the health and end-of-life details, religious and cultural preferences, financial or benefits details, notes, and uploaded documents that may be in your own plan. Its purposes are coordinating planning with people you invite and sending limited event and response information to RSVP guests you choose to invite, limited to the plan or event label, an attendance choice, and party size in the free service. When enabled, the public RSVP form does not collect meal, allergy, medical, religious, or accessibility notes. Approved family helpers may see information according to their selected access level. RSVP guests receive only information made available through their event invitation or response link.

The plan owner must separately authorize each named family helperat the exact invited email address before the helper receives access. The service records the scope, recipient, version and time of each affirmative sharing decision. An invitation, previous family link, general account consent, or acceptance of these Terms does not silently establish that record. Existing helper access must be reviewed again under the plan-sharing rules described here. You may withdraw plan-level sharing consent at any time in Family & helpers, or remove a specific helper. Revocation blocks future service access and new RSVP responses while applicable controls are active, but cannot undo information previously downloaded or received. See the Consumer Health Data Privacy Policy.

This self-plan sharing option is not a way to authorize disclosure of another living person's information. It does not apply to plans about another living person or to an unverified representative authority for a deceased person's plan. Do not include another person's health information in your own notes or documents as a workaround. Connected external AI apps and provider referrals have separate permission requirements. No authorization is given to sell consumer health data or train general-purpose AI models with private content. Sharing takes effect only when the service enforces the separate plan-level and named-recipient authorizations described here. If those controls are unavailable, the affected sharing remains unavailable.

The initial Funeral Funnel release is free to use. There are no subscriptions, funeral-product sales, prepaid funeral arrangements, paid provider referrals, checkout payments, or purchases of AI message credits in this initial release. A payment card is not required to create a planning account.

If Ask Funeral Funnel AI access is enabled for your account, its current allowance is 30 included lifetime AI message credits, not unlimited AI access. Access may also be restricted by a waitlist. The other available free planning tools do not require an AI credit purchase. The service will not charge you for an AI credit pack because new paid checkouts are disabled for this release.

Any later paid service would require a separate reviewed launch, clear pricing and payment terms, and any additional disclosures or affirmative choices required by law. These Terms do not authorize new paid programs or compensated use of private planning data.

Subject to applicable law, our Privacy Policy, and any separate consent or authorization required for particular information or purposes, Funeral Funnel may use account, technical, and service-usage information to operate and protect the service, prevent abuse, answer support requests, measure performance, understand how features are used, troubleshoot problems, and test, improve, and develop existing or future products and services. We may prepare and use aggregate statistics and properly deidentified information for research, reporting, business planning, and product development.

Information is not deidentified merely because names or account numbers have been removed. When information is described as deidentified, we use reasonable safeguards against identifying or reidentifying individuals and comply with any additional legal requirements that apply to consumer health data. Properly aggregated or deidentified findings may be shared with service providers, advisers, or business partners only where the Privacy Policy and applicable law permit.

Using only appropriate non-sensitive technical and service-usage information collected for disclosed, compatible and lawful purposes, Funeral Funnel may, after appropriate safeguards and legal review, develop, publish, license, and commercially distribute genuinely aggregate or deidentified statistical reports, research, benchmarks, and insights about service demand, product performance and industry trends. This does not authorize using private plans, uploaded documents, free-text notes, family details, or sensitive or consumer health data as source material for commercial insights. Deidentification requires technical, contractual, and organizational safeguards against identifying or reidentifying anyone; simply removing names or account IDs is insufficient. No commercial-insights processing is enabled merely by this contractual language.

In the future, Funeral Funnel may offer separately optional programs for: (a) using specifically identified submitted content to develop, evaluate, or train AI models, and (b) sending information a user chooses to provide to selected funeral, memorial, or other service providers for a requested referral, including referrals for which Funeral Funnel receives compensation. Neither program is active or authorized merely by accepting these Terms. Before either program begins, we must disclose the data involved, purpose, recipients, retention, any compensation or material relationships, and available choices, and obtain each separate consent or authorization required by law. Informed refusal must not prevent use of the core planning service where applicable law prohibits conditioning access on agreement. An account holder cannot give consent on behalf of another living person without legally sufficient authority.

These Terms do not transfer ownership of your content or authorize general-purpose AI training on private plans or uploaded documents. We do not sell sensitive personal information or consumer health data. Some state laws prohibit sensitive-data sales regardless of consent. We also do not currently sell other identifiable personal information. Any future sale of non-sensitive identifiable information, if legally permitted, would require an independently reviewed program, new disclosures, and all applicable consumer rights, opt-outs, consents, and authorizations. Merely accepting these Terms is not permission to sell personal information. Nothing in these Terms overrides statutory privacy rights, consent withdrawal, deletion requests, or commitments made to existing users when their information was collected.

Checklists, cost information, local guidance, vendor information, articles, reminders, and AI output are general planning aids. Rules, prices, benefits, deadlines, licensing, and requirements vary by provider, location, and individual circumstances and can change. Verify important information directly with the relevant funeral home, government agency, cemetery, crematory, insurer, lawyer, accountant, healthcare professional, financial professional, licensing authority, or other qualified provider.

Funeral Funnel does not prepare legal instruments, determine legal authority, diagnose or treat a condition, determine eligibility for government or insurance benefits, or promise that a reminder will prevent a missed deadline.

• AI output may be incomplete, inaccurate, outdated, or inappropriate.
• Review and edit all AI-generated writing before relying on or sending it.
• Do not use AI output as legal, medical, tax, financial, or emergency advice.
• For a built-in AI feature, only the text and limited plan context needed for the request is sent when you choose to use that feature.
• You may separately connect an external AI app through the Funeral Funnel OAuth/tool interface. That app can receive only the plan/task information exposed by the tools you approve and can make only changes those tools permit.
• Connected external AI tools require current sensitive-data consent and your normal plan permissions each time private planning data is accessed.
• An external AI app you connect has its own terms, privacy practices, and security controls. Connect only an app you trust.
• Do not use AI output to make a high-impact decision about another person without appropriate human review and professional advice.

Vendor listings and links are provided for comparison and convenience. A listing is not a recommendation, endorsement, warranty, or promise that a provider is suitable. Sponsored or other material relationships will be disclosed clearly and do not improve a provider's verification status.

• Verified information means only the specific identity or listing facts shown on the card were checked against the cited source within the stated review period.
• Documented checks means the additional checks described on the card were completed. It does not guarantee quality, safety, availability, pricing, licensure, or future performance.
• A provider that requires a professional or facility license should be independently checked with the current state or local licensing authority before hiring.
• Testimonials, ratings, marketing claims, and paid placements are not substitutes for official licensing, disciplinary, identity, or price evidence.
• Budget labels, estimates, or published prices are not quotes. Request current itemized pricing directly from the provider.

For funeral providers covered by the FTC Funeral Rule, ask for the current General Price List and applicable casket and outer-burial-container price lists, and request an itemized statement before paying. The Funeral Rule does not cover every cemetery or third-party seller, and state requirements may add protections.

Funeral Funnel does not control third-party services and is not responsible for their pricing, availability, conduct, privacy practices, contracts, licensing status, or performance. Your agreement with a provider is between you and that provider. Report a suspected listing error or undisclosed relationship through the support or reporting path provided by the service.

You may not:

• Access another person's account, plan, documents, or data without authorization.
• Attempt to bypass access controls, probe security, scrape private content, or disrupt the service.
• Use the service for fraud, harassment, impersonation, unlawful surveillance, or other illegal activity.
• Upload malicious code or use automated traffic that harms the service.
• Reverse engineer the service except where applicable law expressly permits it.
• Use public provider or guidance information to falsely imply endorsement by Funeral Funnel.

We may add, change, limit, suspend, or discontinue features. Beta and waitlist features may be incomplete or unavailable and should not be relied on for urgent deadlines. Invitation, RSVP, and reminder email delivery may be available when enabled. Email delivery is not guaranteed, may be delayed or filtered, and must not be relied on for urgent deadlines or emergency communications. You are responsible for entering recipient email addresses accurately, inviting only appropriate recipients, and reviewing reminder settings. We may establish reasonable usage or storage limits and may remove content that creates a security, legal, or operational risk after notice when reasonably possible.

Plan and account deletion are handled as described in the Privacy Policy and Consumer Health Data Privacy Policy. Deletion removes ordinary access from the active service, but restricted recovery, security, legal, provider-managed backup, and optional product-improvement copies may remain outside ordinary user access. The current product does not run a timer-driven automatic purge of those restricted retention records. Product-improvement retention can be disabled in account settings; the current opt-out deletion flow removes linked retained AI-writing copies. Verified privacy requests and other authorized deletion procedures remain available as described in the privacy policies.

You may stop using Funeral Funnel and delete your account. We may suspend or terminate access when reasonably necessary to protect users or the service, comply with law, address nonpayment for a future paid feature, or respond to a material violation of these Terms. Where appropriate, we will provide notice and an opportunity to export information.

To the maximum extent permitted by law, Funeral Funnel is provided "as is" and "as available." We do not promise that the service will be uninterrupted, error-free, completely secure, or that any planning guidance, vendor information, reminder, or AI output will be accurate or suitable for your circumstances. Nothing in these Terms excludes warranties or rights that cannot legally be excluded.

To the fullest extent permitted by applicable law, Funeral Funnel, Cabrales Holdings LLC, and their officers, employees, and agents are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, lost opportunities, or losses caused by unverified planning information, AI output, reminders, or independent third-party providers.

To the fullest extent permitted by applicable law, our combined total liability for claims arising from or relating to Funeral Funnel will not exceed the greater of $100 or the amount you paid directly to Funeral Funnel for the service in the 12 months before the event giving rise to the claim. This aggregate limit is not a limit per claim. These limits do not apply where prohibited by law, including liability for fraud, willful misconduct, gross negligence where non-waivable, or mandatory consumer-protection, privacy, or data-security remedies and obligations.

To the extent permitted by applicable law, you agree to defend and indemnify Funeral Funnel,Cabrales Holdings LLC, and their personnel against reasonable third-party claims, damages, and defense expenses to the extent caused by your knowing submission or sharing of content you had no right to use, infringement of another person's rights, fraud, impersonation, or other unlawful conduct in material violation of these Terms. We will give reasonably prompt notice and a reasonable opportunity to participate in the defense. We will not agree to a settlement imposing a nonmonetary obligation on you without your consent.

This does not make you responsible for our own wrongful acts or omissions, penalize good-faith privacy or consumer complaints, or transfer non-waivable duties to you.

Before starting arbitration, the party bringing a dispute must provide written notice identifying the problem, the requested remedy and a way to respond. Send notice to privacy@funeral-funnel.com; Funeral Funnel may send notices to your current account email. Do not include passwords, recovery codes or sensitive planning documents in the first notice.

We will attempt resolution in good faith for 30 days after receipt of notice. To the extent permitted by law, applicable filing deadlines are tolled during this required period. Either party may use eligible individual small-claims court or seek urgent protective relief without completing this step. Government complaints, legally protected reporting and non-waivable rights are unaffected.

IMPORTANT: BY ACCEPTING THESE TERMS, YOU AND FUNERAL FUNNEL GENERALLY AGREE TO INDIVIDUAL BINDING ARBITRATION INSTEAD OF COURT. BOTH SIDES GENERALLY GIVE UP THE RIGHT TO A JUDGE OR JURY TRIAL AND TO PARTICIPATE IN CLASS ACTIONS. ARBITRATION CAN STILL AWARD LEGAL RELIEF. READ THE EXCEPTIONS AND 30-DAY OPT-OUT BELOW.

Subject to the exceptions below and applicable law, you and Cabrales Holdings LLCmutually agree that disputes between us arising from or relating to Funeral Funnel or these Terms, including contract, tort, and statutory claims, will be resolved by individual binding arbitration rather than a court lawsuit. This agreement covers only claims connected to this service and does not bind individuals who did not agree to these Terms.

For covered disputes about this service, the agreement also applies to claims against Funeral Funnel's owners, officers, employees, and agents only to the extent the claims arise from their actions on behalf of the service and applicable law permits those people to enforce this section as intended third-party beneficiaries. Naming a person individually does not, by itself, avoid an otherwise enforceable arbitration agreement. This provision does not eliminate anyone's substantive legal liability, remove legally required remedies, or bind a person who did not accept the Terms.

After informal resolution, either party may submit a covered dispute to the American Arbitration Association (AAA) under its then-current Consumer Arbitration Rules before one neutral arbitrator. The Federal Arbitration Act governs this arbitration agreement to the extent applicable. Hearings may be remote or in a reasonably accessible location near your residence under the rules. Funeral Funnel will pay administrative and arbitrator costs beyond the consumer filing fee allowed by AAA's consumer rules and will pay additional amounts where law requires. We will not seek consumer fees that AAA rules or law assign to the business. The arbitrator will provide a written explanation of the award as required by AAA rules. The arbitrator may award the same individual statutory remedies, damages, and attorneys' fees that would be available in court, subject only to legally enforceable limitations.

Exceptions: Either party may pursue an eligible individual claim in small-claims court. Nothing prevents a complaint to an appropriate government agency or restricts a right or remedy that cannot lawfully be waived. Mandatory exclusions from pre-dispute arbitration apply, including cases governed by 9 U.S.C. § 402 where applicable. Requests for public injunctive relief may proceed in court to the extent the governing law requires. A court determines issues that applicable law reserves for courts.

Class-action waiver: To the extent legally enforceable, each party waives the right to bring or participate in a class, collective, consolidated, or representative action for a covered dispute. The arbitrator cannot combine unrelated people's claims without consent of everyone involved. If the class waiver is unenforceable as applied to a particular dispute and cannot lawfully be severed, that dispute proceeds in court, not class arbitration. Non-waivable public or representative enforcement rights remain intact.

30-day opt-out: You may reject both the arbitration agreement and associated class-action waiver by emailing privacy@funeral-funnel.com with subject "Arbitration Opt-Out" within 30 days after first accepting this Terms version. Include the email linked to your Funeral Funnel account and a clear statement that you opt out; no sensitive planning content is needed. A clear opt-out sent within the deadline counts even if the email subject differs. Timeliness depends on when the message is received, not staff processing time. We may verify the account without requesting sensitive planning records and will acknowledge the request and confirm the outcome in writing. We will honor timely opt-outs. Neither party can then require arbitration under this section; disputes may proceed in a court with jurisdiction. Opting out does not cancel your account or other Terms.

This section survives termination for disputes arising after its valid acceptance, but it is not retroactive to disputes that arose before acceptance. If AAA declines to administer a case because we fail to pay required fees, maintain any required consumer-clause registration, or correct a provision the AAA identifies as incompatible with its Consumer Due Process Protocol, the consumer may pursue the dispute in a court with jurisdiction. We will not unilaterally require another arbitration administrator. A court may decide whether an unlawful arbitration provision is enforceable or can be severed without overriding non-waivable rights. No arbitration or class waiver binds a person who never assented to these Terms. Mandatory consumer rights remain intact.

These Terms are intended for a United States planning service. Your legal rights may differ according to where you live, whose information is involved, and where funeral services would be performed. Applicable federal, state, and local law controls any conflict with these Terms. Not every law applies to every user or service feature.

Where the law grants you rights to access, correct, export, limit, withdraw consent for, or delete personal or consumer health information, you can exercise those rights as described in our Privacy Policy and Consumer Health Data Privacy Policy. You do not need to create an account to submit a privacy request about your own information. Write to privacy@funeral-funnel.com. We may verify identity or lawful authority, and applicable deadlines, appeals, deletion obligations and exceptions still apply. We will not retaliate for lawful exercise of privacy rights.

Accepting these Terms does not replace any separate consent that federal or state law requires for collecting or sharing health information, nor does it authorize us to disclose another living person's information. An invitation, an external-AI connection, or general account consent is not automatically the data subject's authorization. If a disclosure requires additional permission or falls outside a lawful requested-service exception, the affected sharing must remain restricted until the necessary authorization and safeguards are established.

Nothing in the liability, dispute, arbitration, class-action, indemnity, termination, or other provisions of these Terms waives or restricts non-waivable statutory rights, agency complaints, legally protected public enforcement, mandated data-breach notification, or statutory remedies. The specific exceptions and arbitration opt-out rules stated above also apply. This section does not create extra rights where a law does not apply.

Nothing here prevents lawful reports to regulators, cooperation with investigations, protected disclosures or use of privacy and consumer remedies that cannot be waived. Invalid non-arbitration provisions may be severed only to the extent permitted by law. The arbitration-specific severability rules above take priority.

We may update these Terms and post a new effective date. Material changes to dispute resolution, remedies, or liability limits require legally effective notice and agreement, not a silent website edit. Nothing removes mandatory consumer protections, statutory remedies, or government enforcement. Disputes outside an enforceable arbitration agreement may be brought in a court with jurisdiction under applicable law. Questions may be submitted through the support or privacy contact methods.