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Terms of Service

Effective Date: June 26, 2026

Agreement to Terms

By accessing or using the Legacy Financial & Life website at legacyfinancial.app (the "Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

Services

Legacy Financial & Life ("we," "us," or "our") is a licensed insurance agency based in Luthersville, GA. Through the Site, we provide information about our insurance and financial services, accept quote requests and inquiries, and facilitate communication between prospective clients and our licensed agents.

The Site is not a substitute for professional financial or insurance advice. All insurance products and services described on the Site are subject to carrier terms, underwriting requirements, and applicable state regulations.

Communications Consent

By submitting a form on our Site, requesting a quote, or clicking a link in one of our emails, you consent to receive communications from Legacy Financial & Life, including:

  • Phone calls and voicemails regarding your inquiry or application
  • Text messages (SMS) with appointment confirmations, booking links, and service updates
  • Emails related to your insurance needs, quote requests, or agent recruitment opportunities

Message frequency varies. Message and data rates may apply. You may opt out of text messages at any time by replying STOP to any message. For help, reply HELP or contact us at Beth@legacyf-l.com.

Some communications may be initiated or assisted by automated systems, including AI-powered tools. When an AI assistant contacts you by phone, it will identify itself as an automated assistant and will not represent itself as a human agent.

Agent Recruitment

We may contact licensed insurance professionals about agent recruitment opportunities. If you are a licensed agent and receive outreach from us, it is because your information is publicly available through state Department of Insurance records or professional databases. You may opt out of recruitment communications at any time by replying STOP to any message, clicking the unsubscribe link in any email, or contacting us directly.

User Conduct

You agree not to:

  • Use the Site for any unlawful purpose
  • Submit false or misleading information through any form
  • Attempt to interfere with or disrupt the Site's operation
  • Scrape, harvest, or collect data from the Site without authorization
  • Impersonate any person or entity in communications with us

Intellectual Property

All content on the Site — including text, graphics, logos, images, and software — is the property of Legacy Financial & Life or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from Site content without our written permission.

Disclaimer of Warranties

The Site and its content are provided "as is" without warranties of any kind, whether express or implied. We do not guarantee that the Site will be uninterrupted, error-free, or free of harmful components. Insurance quotes and illustrations provided through the Site are estimates only and are subject to carrier underwriting and approval.

Limitation of Liability

To the fullest extent permitted by law, Legacy Financial & Life shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Site or services, including but not limited to loss of data, revenue, or business opportunity.

Third-Party Links

The Site may contain links to third-party websites, including carrier portals, scheduling services (such as Calendly), and training platforms. We are not responsible for the content, privacy practices, or terms of those third-party sites.

Privacy

Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

Changes to These Terms

We may update these Terms of Service from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of the Site after changes are posted constitutes acceptance of the revised terms.

Governing Law

These Terms of Service are governed by the laws of the State of Georgia, without regard to conflict of law principles.

Contact Us

If you have questions about these Terms of Service, please contact us: