Terms and Conditions

1. Agreement to Terms

Welcome to Legacy Guardian. These Terms and Conditions ("Terms") govern your access to and use of the website mylegacyguardian.com (the "Website"), including any content, functionality, services, and tools offered on or through the Website.

By accessing or using our Website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use our Website or services.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Website following any changes constitutes acceptance of the revised Terms.

2. Description of Services

Legacy Guardian provides:

• Insurance Calculators: Interactive tools to estimate term life insurance coverage needs and Indexed Universal Life (IUL) policy projections
• Educational Resources: Articles and information about life insurance and financial planning
• Consultation Services: Free consultations with licensed insurance professionals
• Insurance Referrals: Connections to top-rated insurance carriers for policy quotes and applications

Legacy Guardian is a financial services brand that connects consumers with insurance products from various carriers. We are not an insurance company and do not directly underwrite or issue insurance policies.

3. Calculator Disclaimers

3.1 Term Life Insurance Calculator

The Term Life Insurance Calculator provides estimates only and is intended for educational and illustrative purposes. Results are based on the information you provide and general industry averages. Actual coverage needs and premium costs may vary based on:

• Your health status and medical history
• Lifestyle factors (smoking, hazardous activities)
• Specific carrier underwriting guidelines
• Policy features and riders selected
• Current market conditions

3.2 IUL Calculator

The Indexed Universal Life (IUL) Calculator provides hypothetical illustrations only. Projections are based on assumed rates of return and are not guaranteed. Important considerations:

• Past market performance does not guarantee future results
• Actual policy performance will vary from illustrations
• Cap rates, participation rates, and floor rates are set by insurance carriers and may change
• Policy costs, fees, and charges affect cash value accumulation
• Tax treatment depends on individual circumstances and current tax law
• Loans and withdrawals from life insurance policies have tax implications and may reduce death benefits

3.3 Not Financial or Tax Advice

Calculator results and website content do not constitute financial, tax, legal, or insurance advice. Consult with qualified professionals before making financial decisions. Legacy Guardian is not responsible for decisions made based on calculator estimates or website content.

4. Insurance Products and Carriers

Insurance products referenced on our Website are issued by independent insurance carriers. Legacy Guardian works with top-rated carriers including, but not limited to:

• Mutual of Omaha
• Lincoln Financial
• Pacific Life
• Nationwide
• Transamerica
• National Life Group
• OneAmerica
• Allianz Life

All guarantees and benefits are subject to the claims-paying ability and financial strength of the issuing insurance company. Legacy Guardian does not guarantee any insurance company's ability to pay claims.

Product availability, features, and pricing vary by state and carrier. Not all products are available in all states.

5. User Responsibilities

By using our Website and services, you agree to:

• Provide accurate, current, and complete information
• Use the Website for lawful purposes only
• Not misrepresent your identity or affiliation
• Not interfere with or disrupt the Website or servers
• Not attempt to gain unauthorized access to any part of the Website
• Not use automated systems to access the Website without permission
• Not reproduce, distribute, or create derivative works from our content
• Comply with all applicable laws and regulations

6. SMS/Text Message Terms

By providing your phone number and opting in to receive SMS communications, you agree to the following:

6.1 Consent

By submitting your phone number through our calculators or contact forms, you expressly consent to receive automated SMS messages from Legacy Guardian, including:

• Thank you messages confirming your inquiry
• Follow-up messages about insurance options
• Appointment reminders and confirmations
• Informational messages about our services

6.2 Message Frequency

Message frequency varies based on your interactions. Typically, you may receive up to 5 messages related to a single inquiry over a 5-day period.

6.3 Costs

Message and data rates may apply depending on your mobile carrier and plan. Legacy Guardian is not responsible for any charges from your carrier.

6.4 Opt-Out

You may opt out at any time by replying STOP to any message. Other opt-out keywords include: STOPALL, UNSUBSCRIBE, CANCEL, END, QUIT. Upon opting out, you will receive a confirmation message and no further SMS messages will be sent.

6.5 Help

For help with SMS communications, reply HELP to any message or call (954) 240-3773.

6.6 Carrier Liability

Mobile carriers are not liable for delayed or undelivered messages. Delivery is subject to effective transmission by your carrier.

7. Intellectual Property

All content on the Website, including but not limited to text, graphics, logos, images, calculators, software, and design elements, is the property of Legacy Guardian or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content without prior written permission from Legacy Guardian.

The Legacy Guardian name, logo, and all related marks are trademarks of Legacy Guardian. You may not use these marks without written permission.

8. Third-Party Links and Services

Our Website may contain links to third-party websites, including:

• Insurance carrier websites
• Appointment scheduling platforms (OnceHub)
• Educational resources
• Social media platforms

These links are provided for convenience only. Legacy Guardian does not control and is not responsible for the content, privacy policies, or practices of third-party websites. Your use of third-party websites is at your own risk.

9. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT, SERVICES, AND TOOLS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, LEGACY GUARDIAN DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE
• WARRANTIES OF NON-INFRINGEMENT
• WARRANTIES THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE
• WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF CONTENT

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LEGACY GUARDIAN, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

• ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• ANY LOSS OF PROFITS, REVENUE, DATA, OR USE
• ANY DAMAGES ARISING FROM YOUR USE OR INABILITY TO USE THE WEBSITE
• ANY DAMAGES ARISING FROM RELIANCE ON CALCULATOR RESULTS OR CONTENT
• ANY DAMAGES ARISING FROM UNAUTHORIZED ACCESS TO YOUR INFORMATION

IN NO EVENT SHALL LEGACY GUARDIAN'S TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID TO LEGACY GUARDIAN, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

11. Indemnification

You agree to indemnify, defend, and hold harmless Legacy Guardian, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the Website or services
• Your violation of these Terms
• Your violation of any rights of another party
• Any content you submit or transmit through the Website

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

Any dispute arising from these Terms or your use of the Website shall be resolved exclusively in the state or federal courts located in Broward County, Florida. You consent to the personal jurisdiction of these courts.

13. Dispute Resolution

Before initiating any legal action, you agree to first contact Legacy Guardian to attempt to resolve the dispute informally. If the dispute cannot be resolved within thirty (30) days, either party may proceed with formal legal action.

14. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

15. Waiver

The failure of Legacy Guardian to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by Legacy Guardian.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Legacy Guardian regarding your use of the Website and supersede all prior agreements and understandings.

17. Contact Information

For questions about these Terms and Conditions, please contact us: