Terms & Conditions — Legacy Realm LLC

Terms & Conditions — Legacy Realm LLC

Effective Date: January, 2026
Last Updated: February, 2026

Welcome to Legacy Realm LLC (“Legacy Realm,” “we,” “us,” or “our”). These Terms & Conditions (“Terms”) govern your access to and use of our website(s), landing pages, forms, and related services (collectively, the “Services”).

By accessing or using our Services, submitting information, or requesting a coverage review, you agree to be bound by these Terms. If you do not agree, please do not use our Services.

1) About Legacy Realm LLC

Legacy Realm LLC is a licensed insurance agency that provides insurance education, coverage reviews, and assistance with insurance products, subject to state licensing and carrier availability.

Licensed States: TX, CA, NJ, IN, VA, WV, SC, OR
Insurance products, features, and availability vary by state.

Legacy Realm LLC does not provide legal, tax, or investment advice.

2) Eligibility

By using our Services, you represent that:

You are at least 18 years of age (or the age of majority in your state)

You have the legal capacity to enter into these Terms

The information you provide is accurate and truthful to the best of your knowledge

Our Services are intended for U.S. residents located in states where we are properly licensed.

3) No Guarantee of Coverage or Rates

Submitting a request for a free coverage review, quote, or consultation:

Does not guarantee eligibility for insurance

Does not guarantee approval, rates, or specific policy terms

Does not constitute an insurance application unless explicitly stated

All insurance decisions, underwriting, pricing, and issuance are determined solely by the insurance carrier.

4) Nature of the Free Coverage Review

The free coverage review is:

Educational and informational in nature

Designed to help you understand general coverage options

Not a binding offer or contract

You are under no obligation to purchase insurance as a result of a coverage review.

5) Communications Consent (Email, Phone, SMS)

By submitting your information through our Services, you consent to receive communications from Legacy Realm LLC, which may include:

Phone calls (including manual or automated dialing where permitted)

Text messages (SMS/MMS)

Emails

These communications may relate to:

Your request for information or a coverage review

Follow-up regarding your inquiry

Appointment scheduling or coordination

Service-related messages

SMS/Text Messaging

Message frequency may vary

Message and data rates may apply

You may opt out at any time by replying STOP

For help, reply HELP or contact us directly

Consent to receive communications is not a condition of purchasing insurance.

6) Accuracy of Information

You agree to provide accurate, current, and complete information when submitting forms or communicating with us. Providing false or misleading information may impact the accuracy of any guidance provided and may disqualify you from certain services.

7) Third-Party Services and Insurance Carriers

To assist you, we may share relevant information with:

Insurance carriers

Underwriters

Third-party administrators

Service providers supporting our operations (CRM, SMS, email, analytics)

Legacy Realm LLC is not responsible for:

The content, actions, or decisions of third parties

Carrier underwriting decisions

Changes in carrier offerings or eligibility criteria

8) No Professional Advice Disclaimer

Information provided through our Services:

Is for general informational purposes only

Should not be considered legal, tax, accounting, or investment advice

You should consult qualified professionals regarding your specific situation.

9) Intellectual Property

All content on our Services, including but not limited to:

Text

Logos

Graphics

Layouts

Design elements

is the property of Legacy Realm LLC or its licensors and is protected by intellectual property laws.

You may not copy, reproduce, modify, distribute, or exploit any content without prior written permission.

10) Prohibited Uses

You agree not to:

Use the Services for unlawful purposes

Attempt to gain unauthorized access to systems or data

Interfere with the functionality or security of the Services

Submit false, misleading, or fraudulent information

Use automated means to scrape or harvest data

11) Disclaimer of Warranties

Our Services are provided on an “as is” and “as available” basis.

Legacy Realm LLC makes no warranties, express or implied, regarding:

Availability or uninterrupted access

Accuracy or completeness of information

Results obtained from use of the Services

12)Carrier Liability Disclaimer

Mobile carriers are not liable for delayed or undelivered messages.

Message delivery is subject to effective transmission from your wireless service provider and is outside the control of Legacy Realm LLC.

13) Limitation of Liability

To the fullest extent permitted by law, Legacy Realm LLC shall not be liable for:

Indirect, incidental, consequential, or special damages

Loss of data, profits, or opportunities

Decisions made based on information provided through the Services

Our total liability shall not exceed the amount paid by you to us, if any, for the specific service giving rise to the claim.

14) Indemnification

You agree to indemnify and hold harmless Legacy Realm LLC, its owners, agents, and affiliates from any claims, damages, liabilities, or expenses arising from:

Your use of the Services

Your violation of these Terms

Your submission of false or misleading information

15) Termination

We reserve the right to suspend or terminate access to the Services at any time, without notice, if we believe these Terms have been violated or if required by law or regulation.

16) Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the state in which Legacy Realm LLC is domiciled, without regard to conflict-of-law principles.

Any disputes shall be resolved in the appropriate courts of that jurisdiction unless otherwise required by law.

17) Changes to These Terms

We may update these Terms from time to time. Changes will be effective upon posting with an updated “Last Updated” date. Continued use of the Services constitutes acceptance of the revised Terms.

18) Contact Information

If you have questions about these Terms, contact:

Legacy Realm LLC
Email: [email protected]
Phone: (972) 813-9140