Welcome to the official website of Legacy Financial Group (“Company,” “we,” “our,” or “us”). Please read these Terms and Conditions (“Terms”) carefully before accessing or using our website, digital platforms, or any services offered by Legacy Financial Group. By visiting our website or engaging with our services, you agree to be legally bound by these Terms. If you do not agree with any part of these Terms, please refrain from using our site.

1. Use of Website and Services
   The content provided on this website is intended solely for individuals seeking information about life and health insurance services, including mortgage protection, final expense, term life, and Affordable Care Act (ACA) health plans.
   You agree to use this website only for lawful purposes and in a manner that does not infringe on the rights or restrict the use and enjoyment of the site by any third party. You may not engage in data mining, scraping, or any form of automated data collection.
2. No Guarantee of Insurance Coverage
   Any insurance quotes, product overviews, or eligibility discussions made available on this website are provided for informational purposes only and do not constitute a binding offer. Final approval and coverage are subject to underwriting guidelines and requirements set forth by third-party insurance carriers. Legacy Financial Group is not an insurance carrier but operates as an independent insurance brokerage.
3. Not Financial, Legal, or Tax Advice
   The information presented on this website is not intended to constitute financial, legal, or tax advice. We strongly recommend consulting with a qualified professional before making any financial or insurance-related decisions.
4. Intellectual Property Rights
   All content, including but not limited to our company name, logo, designs, copy, images, video, and digital materials, are the exclusive property of Legacy Financial Group or its content suppliers and are protected by intellectual property laws. No content may be reproduced, republished, or distributed without written consent from the Company.
5. Privacy and Communications
   By using this site, submitting a form, or entering your information, you consent to be contacted by representatives of Legacy Financial Group via phone call, text message, email, or other channels, even if you are on a federal or state Do-Not-Call registry.
   All use of your information is governed by our Privacy Policy, which is incorporated herein by reference. You may request to opt out of communications at any time by contacting us directly.
6. Third-Party Links and Tools
   Our site may include links or integrations with third-party platforms, tools, and websites. These are provided for your convenience and do not imply endorsement. We are not responsible for the content, data collection, or security practices of any third-party services.
7. Limitation of Liability
   To the fullest extent permitted by law, Legacy Financial Group disclaims all warranties, express or implied, in connection with the operation of this website and the information provided herein. We shall not be held liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, the website or services.
8. Indemnification
   You agree to indemnify and hold harmless Legacy Financial Group, its agents, partners, affiliates, and employees from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorney’s fees) resulting from your breach of these Terms or your use of the site and services.
9. Changes to Terms
   We reserve the right to update, modify, or replace any part of these Terms at any time without notice. It is your responsibility to review this page periodically. Continued use of the website following any changes constitutes acceptance of those changes.
10. Governing Law
    These Terms shall be governed by and construed in accordance with the laws of the State, without regard to its conflict of law provisions.