Terms of Service

TERMS OF SERVICE

Effective Date: May 2026
Last Updated: July 31, 2026

Welcome to Legacy Financial Planning ("LFP," "we," "our," or "us"). By accessing or using this website, requesting quotes, or engaging with our services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our website or services.

Services
Legacy Financial Planning is a licensed insurance agency that connects individuals with licensed insurance professionals and insurance-related products and services, including life insurance, final expense insurance, and related financial protection products. We work with multiple insurance carriers to help you find suitable coverage options.

No Guarantee of Coverage
Insurance eligibility, pricing, and approvals are subject to underwriting guidelines and carrier approval. Any quotes provided are estimates based on the information you provide and are not guarantees of coverage or final premium amounts. Actual rates and eligibility are determined by insurance carriers during their underwriting process.

Consent to Communications
By submitting your information through our website or providing your contact details to a Legacy Financial Planning representative, you consent to receive communications from us, including:
Phone Calls: We may contact you by phone regarding insurance products, quote details, applications, and follow-ups.
SMS/Text Messages: If you have separately consented via a checkbox on our website or another opt-in method, we may send you text messages regarding quotes, application updates, appointment reminders, policy information, and (if separately opted in) promotional messages.
Emails: We may send you emails regarding your inquiries, quotes, applications, and policy information. Message and data rates may apply. Message frequency varies. Consent to receive communications is not a condition of purchase.
Opt-Out AND UNSUBSCRIBE SMS
You may opt out of SMS communications at any time by replying STOP to any message. You will receive one confirmation message.

Email: You may unsubscribe from marketing emails using the unsubscribe link in each communication.

Phone: You may request to be added to our internal do-not-call list by contacting us at team@legacyfinancialplanning.org or (737) 757-6483.

USER RESPONSIBILITIES
When using our website and services, you agree not to:
- Provide false or misleading information
- Use our services for any unlawful purpose
- Attempt to gain unauthorized access to any part of our systems
- Interfere with the operation of our website
- Use automated tools to scrape or harvest information from our website - Impersonate another person or entity

INTELLECTUAL PROPERTY
All content on this website, including text, graphics, logos, images, and software, is the property of Legacy Financial Planning or its licensors and is protected by U.S. and international copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.

THIRD-PARTY CONTENT AND LINKS
Our website may contain links to third-party websites, insurance carrier sites, or other resources. We are not responsible for the content, accuracy, or availability of third-party sites. Links do not constitute endorsement.

DISCLAIMERS
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that our website will be uninterrupted, error-free, or free from viruses or other harmful components. Information provided through our website is for general informational purposes only and does not constitute legal, financial, or insurance advice. Consult with a licensed professional for advice specific to your situation.

LIMITATION OF LIABILITY
To the maximum extent permitted by law, Legacy Financial Planning and its agents, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, even if we have been advised of the possibility of such damages. Our total liability for any claim arising out of these Terms or your use of our services shall not exceed one hundred dollars ($100) or the amount you have paid us in the past twelve months, whichever is greater.

INDEMNIFICATION
You agree to indemnify, defend, and hold harmless Legacy Financial Planning and its agents, employees, and affiliates from and against any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of our website or services, your violation of these Terms, or your violation of any rights of another party.

DISPUTE RESOLUTION
Before pursuing any legal action, you agree to first attempt to resolve any dispute informally by contacting us at team@legacyfinancialplanning.org. We will make good-faith efforts to resolve disputes within thirty (30) days.

CHANGES TO THESE TERMS
We may update these Terms from time to time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our website or services after changes constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically.

TERMINATION
We reserve the right to terminate or suspend access to our website or services at any time, with or without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

SEVERABILITY
If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall remain in full force and effect.

ENTIRE AGREEMENT
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Legacy Financial Planning regarding your use of our website and services.

CONTACT INFORMATION
Legacy Financial Planning Email: team@legacyfinancialplanning.org
Phone: (737) 757-6483
Website: legacyfinancialplanning.org
For questions about these Terms of Service, please contact us using any of the methods above.