Terms & Conditions
Welcome to Legacy Insurance! These Terms and Conditions ("Terms") govern your use of our website, services, and any associated content or products provided by Legacy Insurance. By accessing and using our website and services, you agree to be bound by these Terms. If you do not agree to these Terms, please refrain from using our website.
1. Acceptance of Terms
By accessing or using the Legacy Insurance website, services, or any related features, you agree to comply with these Terms and Conditions, as well as our Privacy Policy and Cookies Policy, both of which are incorporated by reference. Legacy Insurance reserves the right to modify, update, or change these Terms at any time without prior notice. Any such changes will be posted on this page, and the "Effective Date" will be updated accordingly. Your continued use of the website after any such changes constitutes your acceptance of the revised Terms.
2. Eligibility
To use our services, you must be at least 18 years of age or the age of majority in your jurisdiction. By using our website and services, you represent and warrant that you meet these eligibility requirements. If you are using our website on behalf of an organization or another person, you represent that you have the authority to accept these Terms on their behalf.
3. Use of Our Website and Services
Website Access: Legacy Insurance grants you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes, subject to these Terms and Conditions.
Prohibited Use: You agree not to use our website for any unlawful purpose or in a way that could damage, disable, overburden, or impair the website’s functionality. You also agree not to attempt to gain unauthorized access to any part of the website or its systems.
Insurance Services: Legacy Insurance provides information and services related to Medicare and Life Insurance. The quotes and information provided on our website are intended for informational purposes only. We do not guarantee the accuracy of any information provided by third-party insurance carriers.
4. Account Registration and Security
To access certain features or services on our website, you may be required to create an account. When you register, you agree to provide accurate, current, and complete information and to update your details if any changes occur.
You are responsible for maintaining the confidentiality of your account login information and for all activities that occur under your account. If you suspect unauthorized access or misuse of your account, you should notify us immediately.
5. Insurance Applications and Quotations
Quotations: The quotes provided on our website are based on the information you provide and are not binding. The final price and terms of insurance may vary based on additional information provided to the insurance carrier or other factors.
Insurance Applications: When you submit an application for insurance through Legacy Insurance, you authorize us to share your personal information with insurance providers to process your request. All applications are subject to approval by the respective insurance carriers.
No Guarantee of Approval: Submission of an insurance application does not guarantee approval. Insurance eligibility and terms are determined by the individual insurance providers and are subject to their underwriting guidelines.
6. Fees and Payment
Payment Terms: You may be required to make payments for certain services or products offered through the Legacy Insurance website. All payments will be clearly outlined at the time of transaction, and you agree to pay all applicable fees and taxes associated with your purchase.
Third-Party Payments: Some services may be processed through third-party payment providers. In such cases, the payment provider’s terms and conditions will apply, and you should review those terms before completing any transaction.
7. Privacy and Data Security
We respect your privacy and are committed to protecting your personal information. By using our website and services, you agree to the collection, use, and disclosure of your personal data as described in our Privacy Policy and Cookies Policy.
8. Third-Party Links
Our website may contain links to third-party websites, including insurance providers and service partners. These links are provided for your convenience, and we do not control or endorse the content, products, or services provided by these third parties. Legacy Insurance is not responsible for any third-party websites or services, and you access them at your own risk.
9. Disclaimers and Limitation of Liability
No Warranty: Legacy Insurance provides the website and services “as is” and without any warranties or representations, express or implied. We do not warrant that our website will be error-free, uninterrupted, or free from viruses or other harmful components.
Limitation of Liability: To the fullest extent permitted by law, Legacy Insurance shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use or inability to use the website, services, or content. This includes damages related to loss of data, profits, or business opportunities, even if we have been advised of the possibility of such damages.
10. Indemnification
You agree to indemnify and hold harmless Legacy Insurance, its affiliates, employees, and agents from and against any claims, damages, liabilities, and expenses arising from your use of our website or services, including any violation of these Terms or infringement of any third-party rights.
11. Governing Law and Dispute Resolution
These Terms and Conditions shall be governed by and construed in accordance with the laws of [Your State/Country]. Any disputes arising from these Terms or your use of our website shall be resolved through binding arbitration or in the appropriate courts located within [jurisdiction].
12. Termination
Legacy Insurance reserves the right to suspend or terminate your access to the website and services at any time and for any reason, including if we believe you have violated these Terms. Upon termination, your right to use the website will cease immediately.
13. Changes to Terms and Conditions
Legacy Insurance reserves the right to modify or update these Terms and Conditions at any time. Changes will be posted on this page with an updated “Effective Date.” We encourage you to review this page periodically to stay informed of any updates or changes.
