Terms of Service — Thryve Memorial

These Terms of Service describe the rules and conditions for using Thryve Memorial's website and services. Please read them carefully.

1. Acceptance of terms

By accessing or using the Thryve Memorial website, mobile experience, consultation services, planning tools, or any related offerings (collectively, the "Services"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Services. We may update these terms from time to time. The updated version will be posted on this page with a revised effective date. Material changes will be communicated by email or by a prominent notice on the website. Your continued use of the Services after changes take effect constitutes your acceptance of the updated terms.

2. Company information

Thryve Memorial is a trade name of Thryve Insurance LLC, an Ohio limited liability company. Our principal mailing address is: Thryve Insurance LLC 31 S Main St, Suite 431 Dayton, OH 45402 Email: info@thryvelife.co Unless otherwise stated, "Thryve Memorial," "we," "us," or "our" refers to Thryve Insurance LLC.

3. Who we are and what we do

Thryve Memorial is an independent consumer advocate that helps families research, document, and organize funeral pre-planning arrangements completely online. We are not a funeral home, cemetery, crematory, insurance company, cemetery authority, or funeral goods seller. We do not directly provide funeral services, burial services, cremation, or funeral merchandise. Our role is educational and planning-oriented. We help you understand your options, document your wishes, compare providers, and coordinate next steps. Any contract for funeral goods or services is between you and the licensed third-party provider you choose. We do not guarantee the quality, pricing, availability, or performance of any third-party provider.

4. Eligibility

You must be at least 18 years of age and legally able to enter into contracts to use our planning services. If you are using the Services on behalf of another adult, you represent and warrant that you have the legal authority to do so, including the authority to make funeral planning decisions, share their personal information, and bind them to these terms. You agree that all information you provide is accurate, complete, and current. You are responsible for updating your information if it changes.

5. Consultations and planning services

Our consultations are complimentary and provided without obligation. During a consultation, a Thryve planning specialist will discuss options, answer questions, and help you document your wishes and preferences. Any advice, recommendations, or materials we provide are educational and planning-oriented. They are not legal, financial, tax, insurance, medical, or funeral-directing advice. We encourage you to consult with licensed attorneys, financial advisors, tax professionals, medical professionals, or funeral directors as needed for your specific situation.

6. No guarantee of pricing, availability, or outcomes

Funeral prices, provider availability, product offerings, and regulatory requirements vary by location and change over time. Any price estimates, cost comparisons, or provider references we share are for planning and informational purposes only. They do not guarantee that a specific provider, product, service, price, or benefit will be available at the time of need. Final arrangements, pricing, and performance are determined solely by the funeral provider, cemetery, crematory, or other licensed professional you select. You are responsible for reviewing and approving any contract or arrangement directly with that provider.

7. User accounts and information

If you create an account, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us promptly if you suspect unauthorized access or use of your account. You are responsible for the accuracy and completeness of the information you provide. Inaccurate, incomplete, or outdated information may affect the usefulness of your plan and the ability of your family or chosen providers to act on your wishes.

8. Payments, refunds, and fees

If you choose to purchase any paid product or service from Thryve Memorial, the price, payment terms, and refund policy will be presented clearly at checkout or in the applicable service agreement. We use third-party payment processors to handle transactions; by making a payment, you agree to their terms and privacy practices as well as ours. Unless otherwise stated, all fees are in U.S. dollars and are non-refundable except where required by law or as expressly stated in the applicable refund policy.

9. Intellectual property

All content on the Thryve Memorial website and Services — including text, graphics, logos, images, software, planning templates, guides, and materials — is owned by or licensed to Thryve Insurance LLC and is protected by copyright, trademark, and other intellectual property laws. You may use the content for personal, non-commercial purposes only. You may not reproduce, distribute, modify, display, perform, create derivative works from, transmit, sell, or otherwise exploit any content without our prior written permission. You may not use any Thryve Memorial trademark or service mark without our written consent.

10. Prohibited conduct

You agree not to use the Services for any unlawful purpose, or to: • Impersonate another person or misrepresent your identity or authority • Submit false, inaccurate, or misleading information • Interfere with the operation of the website or Services, or attempt to gain unauthorized access • Use automated means such as robots, spiders, scrapers, or data harvesting tools • Harass, threaten, or abuse our team or other users • Upload viruses, malware, or other harmful code • Violate any applicable law, regulation, or third-party right We reserve the right to suspend or terminate access to the Services for violations of these terms.

11. Disclaimer of warranties

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. We do not warrant that the Services will be uninterrupted, error-free, secure, or free from viruses or other harmful components. We do not warrant the accuracy, completeness, or reliability of any content, third-party information, or provider listings.

12. Limitation of liability

To the fullest extent permitted by law, Thryve Insurance LLC, its members, managers, officers, employees, agents, affiliates, and licensors will not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages arising out of or related to your use of the Services, even if advised of the possibility of such damages. Our total liability for any claim arising from or related to the Services will not exceed the greater of (a) the amount you paid to Thryve Memorial for the Services in the twelve months preceding the claim, or (b) one hundred U.S. dollars ($100).

13. Indemnification

You agree to indemnify, defend, and hold harmless Thryve Insurance LLC and its members, managers, officers, employees, agents, affiliates, and licensors from any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your use of the Services, your violation of these terms, your violation of any third-party right, or any content or information you submit through the Services.

14. Governing law and dispute resolution

These Terms of Service are governed by the laws of the State of Ohio, without regard to its conflict-of-law principles. Any dispute arising from or relating to these terms or the Services will be resolved exclusively in the state or federal courts located in Montgomery County, Ohio. Before filing any claim, you agree to contact us at info@thryvelife.co to attempt an informal resolution. Any claim must be filed within one year after the cause of action accrues, unless a longer period is required by applicable law.

15. Termination

We may suspend or terminate your access to the Services at any time, with or without notice, for any reason, including violation of these terms. Upon termination, your right to use the Services will immediately cease, but all provisions of these terms that by their nature should survive termination will continue to apply, including ownership provisions, warranty disclaimers, and limitations of liability.

16. Severability

If any provision of these terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions will remain in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it enforceable while preserving the original intent as closely as possible.

17. Entire agreement

These Terms of Service, together with our Privacy Policy and any other written agreement you enter into with us, constitute the entire agreement between you and Thryve Insurance LLC regarding the Services and supersede all prior or contemporaneous agreements, understandings, negotiations, and discussions, whether oral or written.

18. Changes to these terms

We may revise these Terms of Service at any time. The updated version will be posted on this page with a revised effective date. Material changes will be communicated by email or by a prominent notice on the website. Your continued use of the Services after changes take effect means you accept the updated terms.

19. Contact us

If you have questions about these Terms of Service, please contact us: Thryve Insurance LLC d/b/a Thryve Memorial 31 S Main St, Suite 431 Dayton, OH 45402 Email: info@thryvelife.co

Terms of Service.