Terms of Service

1. Acceptance of Terms

Welcome to the website operated by Evolve Legacy Group Ltd., doing business as Legacy Life ("we," "us," or "our"). By accessing or using our website, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not use our website or services.

These Terms apply to all visitors, users, and others who access or use our website. Please read them carefully before using our services.

2. Description of Services

Legacy Life operates a website that provides information about life insurance options for veterans and connects users with licensed insurance agents. We are a licensed insurance agency — we are not an insurance carrier. We help facilitate the process of obtaining life insurance quotes and coverage by connecting you with licensed agents and insurance carriers.

Our website includes an eligibility form that collects information to help match you with appropriate insurance options. Completing the form does not guarantee coverage, rates, or approval. All insurance products are subject to the terms, conditions, and underwriting requirements of the issuing insurance carrier.

3. Not a Government Entity

Evolve Legacy Group Ltd. DBA Legacy Life is a private company. We are not affiliated with, endorsed by, or connected to the U.S. Department of Veterans Affairs (VA), the U.S. government, or any government agency. Any references to veterans, military service, or VA programs on our website are for informational purposes only and do not imply government endorsement or affiliation.

4. Eligibility

You must be at least 18 years of age to use our website and services. By using our website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

5. User Information and Accuracy

When you submit information through our forms, you agree to provide accurate, current, and complete information. You understand that the insurance quotes and options presented to you are based on the information you provide. Inaccurate or incomplete information may result in incorrect quotes or denial of coverage.

6. Consent to Communications

By submitting your phone number through our eligibility form, you expressly consent to receive telephone calls and text messages, including those made using an automatic telephone dialing system or prerecorded voice, from Evolve Legacy Group Ltd. DBA Legacy Life and its licensed insurance agent partners at the phone number you provided. This consent applies to marketing and informational communications related to your insurance inquiry.

You understand and agree that:

• Consent is not a condition of purchasing any goods or services.
• Message and data rates may apply.
• You may revoke your consent at any time by replying STOP to any text message or by contacting us at [email protected].
• Message frequency may vary.

7. No Guarantee of Coverage or Rates

The information provided on our website, including any references to coverage amounts, approval times, or policy features, is for general informational purposes only. We do not guarantee:

• That you will qualify for any specific insurance product or coverage amount.
• Specific premium rates or pricing.
• Approval within any specific timeframe.
• The availability of any particular insurance product in your state.

All insurance products are subject to the underwriting guidelines and approval of the issuing insurance carrier. Actual rates and coverage depend on individual factors including age, health, and state of residence.

8. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Evolve Legacy Group Ltd. or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on our website without our prior written consent.

9. Prohibited Uses

You agree not to use our website:

• For any unlawful purpose or in violation of any applicable laws or regulations.
• To submit false, misleading, or fraudulent information.
• To interfere with or disrupt the operation of our website or servers.
• To attempt to gain unauthorized access to any portion of our website.
• To scrape, harvest, or collect information from our website using automated means.
• To impersonate any person or entity or misrepresent your affiliation.

10. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by the use of any such third-party content, goods, or services.

11. Disclaimer of Warranties

OUR WEBSITE AND 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 BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that our website will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EVOLVE LEGACY GROUP LTD. DBA LEGACY LIFE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF OUR WEBSITE OR SERVICES.

OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING UNDER THESE TERMS SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).

13. Indemnification

You agree to indemnify, defend, and hold harmless Evolve Legacy Group Ltd. DBA Legacy Life, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of our website, your violation of these Terms, or your violation of any rights of a third party.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state in which Evolve Legacy Group Ltd. is registered, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts of competent jurisdiction in that state.

15. Changes to These Terms

We reserve the right to modify these Terms at any time. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of our website after any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions of these Terms shall remain in full force and effect.

17. Contact Us

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

Evolve Legacy Group Ltd. DBA Legacy Life
Email: [email protected]