Terms of Service

Welcome to legacymadeeasy.life (the "Site"), operated by Sandra Fabria, a licensed insurance agent in the State of Texas NPN # 16550717 Texas Lic # 2090305, ("Legacy Made Easy," "we," "us," or "our"). By accessing or using this Site, you agree to be bound by these Terms of Service ("Terms"). If you do not agree, please do not use this Site.

1. About This Site

Legacy Made Easy provides general information about life insurance products, including term life, whole life, final expense, and indexed universal life (IUL) insurance, as well as complimentary estate planning resources (wills and trusts tools). This Site is intended to help visitors learn about insurance options and connect with a licensed agent for personalized guidance.

2. Not a Contract for Insurance

Information provided on this Site is for general educational purposes only and does not constitute an offer, application, or contract for insurance. Coverage is not effective until an application has been submitted, reviewed, and approved by the applicable insurance carrier, and a policy has been officially issued. Quotes provided on this Site are estimates only and are subject to change based on underwriting review.

3. Licensing Disclosure

[Your Name] is a licensed insurance producer in the State of Texas (License #[Your NPN]). Insurance products may only be sold to residents of states in which [Your Name] holds an active license. Product availability, coverage terms, and pricing vary by state and are subject to change without notice.

This Site and its advertising content are intended to comply with Texas Insurance Code Chapter 541 and 28 Texas Administrative Code, Chapter 21, Subchapter B, governing insurance advertising, trade practices, and solicitation in Texas.

4. Lead Solicitation Disclosure

By submitting your information through this Site (including via a quote request, contact form, or newsletter signup), you acknowledge that this Site may function as a lead solicitation, and your information may be used to contact you regarding insurance products. If you are contacted after submitting your information here, that fact will be disclosed to you at the time of initial contact, consistent with Texas insurance advertising rules.

5. No Purchase Required for Free Resources

If this Site offers a free resource, guide, checklist, or consultation as an incentive to inquire about insurance products, no purchase of insurance is required to receive that resource.

6. No Legal, Tax, or Financial Advice

Information on this Site, including content related to wills, trusts, and estate planning, is provided for general informational purposes only and does not constitute legal, tax, or financial advice. [Your Name] is not an attorney, accountant, or financial advisor. For personalized legal, tax, or financial advice, please consult a licensed professional in your state.

The complimentary wills and trusts planning tools offered with certain policy purchases are self-service resources and are not a substitute for personalized legal counsel. We recommend consulting a licensed attorney for complex estate planning needs.

7. Accuracy of Information

While we strive to keep information on this Site accurate and up to date, insurance products, rates, underwriting guidelines, and carrier availability may change at any time without notice. We make no warranties, express or implied, regarding the completeness, accuracy, or reliability of any content on this Site. Always confirm current policy terms directly with your insurance carrier or with us before making a decision.

8. Third-Party Carriers

We work with select third-party insurance carriers to offer coverage options. We do not underwrite policies directly; all coverage is issued and administered by the applicable licensed insurance carrier. We are not responsible for the acts, omissions, financial condition, or policy decisions of any third-party carrier.

9. Testimonials and Reviews

Any testimonials or reviews displayed on this Site reflect the individual experiences of actual clients and are used with their written permission. Individual results and experiences may vary, and testimonials should not be considered a guarantee of future results. If any person providing a testimonial has a financial or business relationship with Legacy Made Easy beyond being a client, that relationship will be disclosed alongside the testimonial, consistent with Texas insurance advertising rules.

10. Communications Consent

By submitting your contact information through this Site (including via a quote request or contact form), you consent to be contacted by Sandra Fabria or an authorized representative via phone, email, or text message regarding insurance products and services, even if your number is registered on a Do Not Call list. Consent is not a condition of purchase. You may opt out of communications at any time by contacting us directly or following the opt-out instructions provided in any message.

Message and data rates may apply for SMS communications. Message frequency may vary.

11. Intellectual Property

All content on this Site, including text, graphics, logos, images, and design elements, is the property of Legacy Made Easy or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without prior written permission.

12. Third-Party Links

This Site may contain links to third-party websites for your convenience. We do not control and are not responsible for the content, privacy practices, or accuracy of any third-party website. Visiting linked sites is at your own risk.

13. Limitation of Liability

To the fullest extent permitted by law, Legacy Made Easy and its owner shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this Site, including but not limited to errors, omissions, delays, or interruptions in service. Your use of this Site is at your own risk.

14. Indemnification

You agree to indemnify and hold harmless Legacy Made Easy, its owner, and any affiliated representatives from any claims, damages, or expenses (including reasonable attorney's fees) arising from your use of this Site or violation of these Terms.

15. Privacy

Your use of this Site is also governed by our [Privacy Policy], which explains how we collect, use, and protect your personal information. Please review it carefully.

16. Children's Privacy

This Site is not directed at individuals under the age of 18, and we do not knowingly collect personal information from minors. If we become aware that a minor has submitted personal information, we will take steps to delete it.

17. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles. Any disputes arising from your use of this Site shall be resolved in the state or federal courts located in [Your County], Texas.

18. Changes to These Terms

We reserve the right to update or modify these Terms at any time without prior notice. Changes will be effective immediately upon posting to this Site. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

19. Complaints

If you have a complaint regarding insurance products or services, you may also contact the Texas Department of Insurance:

Texas Department of Insurance Consumer Protection Section, MC: CO-CP P.O. Box 12030 Austin, TX 78711-2030 Phone: 1-800-252-3439 Website: www.tdi.texas.gov

20. Contact Us

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

info@legacymadeeasy.life