Effective Date: November 22, 2025

Welcome to Legacy Advocate Insurance Group LLC. These Terms and Conditions (“Terms”) govern your access to and use of our website, forms, communications, and services (“Services”). By using our website, you agree to these Terms. If you do not agree, please discontinue use immediately.

Your use of this website is also governed by our Privacy Policy https://legacyadvocategroup.org/privacy

1. Use of the Website

You agree to use this website only for lawful purposes and in a way that does not infringe on the rights of others or restrict their use of the site. Prohibited behavior includes harassment, transmitting obscene or offensive content, or disrupting site functionality.

2. Intellectual Property

All website content—including text, graphics, images, logos, and software is owned by Legacy Advocate Insurance Group LLC or licensed to us. You may not copy, reproduce, or distribute any content without written permission.

3. User-Generated Content

If you post comments or upload content, you grant us a non-exclusive, royalty-free, worldwide license to use, display, and modify your content in connection with our Services.

We reserve the right to remove content that violates our Terms or Privacy Policy https://legacyadvocategroup.org/privacy

4. Comments and Data Collection

When users leave comments, we collect the data shown in the form, as well as the user’s IP address and browser user agent for spam detection. An anonymized hash of your email may be used by our security systems.

If uploading images, do not include EXIF GPS data.

5. Assumption of Risk

All information presented through our Services is for general informational purposes only. We do not warrant accuracy, completeness, or suitability. Your reliance on any information is at your own risk.

6. A2P 10DLC SMS & TCPA Compliance

By providing your phone number or email through any form on our website, you expressly consent to the following:

SMS/Text Message & Call Consent

You consent to receive:

SMS/text messages

MMS messages

Phone calls (manual and automated)

Emails

These communications may be sent for:

Appointment reminders

Policy information

Quotes

Customer service

Marketing and promotional purposes

Message frequency varies.
Message and data rates may apply.
Consent is not a condition of purchase.

Opt-Out & Assistance

Reply STOP at any time to unsubscribe from SMS messages.

Reply HELP for assistance.

You may also request removal via email at [email protected].

Carriers are not liable for delayed or undelivered messages.

Consent Source

By submitting your information on our website or forms, you provide your express written consent as defined under the Telephone Consumer Protection Act (TCPA).

You may withdraw consent at any time.

7. Insurance Industry Legal Disclosures

By using our Services, you acknowledge and agree that:

Submitting information does not guarantee approval for any insurance policy.

All applications are subject to underwriting eligibility and insurance carrier guidelines.

Quotes are non-binding and not final until issued by a licensed insurance carrier.

Licensed insurance agents may contact you to provide guidance, quotes, or policy details.

Coverage and product availability vary by state and by carrier.

8. Cookies

We use cookies to improve user experience and track site performance. Cookies may store preferences, login information, or browsing behavior. Full details appear in our Privacy Policy: https://legacyadvocategroup.org/privacy

9. Embedded Content

Articles may include embedded videos, images, or other media from third-party websites. These third parties may collect data or track usage. We are not responsible for external site practices.

10. Account Registration

If you create an account, you are responsible for maintaining the confidentiality of your login credentials. We reserve the right to terminate accounts or refuse service at our discretion.

11. Data Retention & Deletion Policy

We retain personal data only as long as necessary for:

Providing Services

Legal and regulatory compliance

Record-keeping and fraud prevention

Data may be deleted or anonymized when no longer required.

Users may request deletion of their data where legally permitted by emailing [email protected].

12. Minor Data Removal Policy

Our Services are not intended for individuals under 18 years old.
If we discover that a minor submitted personal information, we will delete the data promptly.

13. Limitation of Liability

To the fullest extent permitted by law, Legacy Advocate Insurance Group LLC is not liable for any direct, indirect, incidental, or consequential damages arising from use of this website or Services. All information is provided “as is” without warranties.

14. Changes to These Terms

We may update these Terms at any time. Updates will be posted with a revised Effective Date. Continued use of the site indicates acceptance of the modified Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to conflict-of-law principles.

16. Contact Us

For questions about these Terms, please contact us at:
✉️ [email protected]