1. Information We Collect

When you use our website, request a quote, or contact us, we may collect:

• Contact information — name, phone number, email address, mailing address.
• Coverage information — details you share about your insurance needs, such as coverage type, budget, and household information.
• Communications — records of calls, texts, emails, and form submissions between you and First Legacy Financial.
• Website usage data — pages visited, device type, and browser information, collected automatically through cookies and similar technologies.

2. How We Use Your Information

We use the information we collect to:

• Respond to quote requests and provide information about insurance products;
• Contact you by phone, email, or text message about your inquiry;
• Match you with appropriate coverage options and carriers;
• Improve our website and services;
• Comply with legal and regulatory obligations.

3. SMS/Text Messaging Program

4. Cookies & Tracking Technologies

Our website uses cookies and similar technologies to remember your preferences, understand how visitors use our site, and improve our marketing. You can control cookies through your browser settings; disabling cookies may affect some site features.

5. How We Share Information

We may share your information with:

• Insurance carriers and underwriters, in order to provide quotes and process applications;
• Service providers who support our operations (such as scheduling, hosting, or CRM platforms), under confidentiality obligations;
• Legal or regulatory authorities, when required by law.

We do not sell your personal information to third parties. As noted above, mobile opt-in data collected for SMS is never shared with third parties for marketing purposes.

6. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

7. Data Retention

We retain personal information for as long as needed to fulfill the purposes described in this policy, or as required by law or regulatory obligation, after which it is securely deleted or anonymized.

8. Your Choices

You may:

• Opt out of text messages at any time by replying STOP;
• Unsubscribe from marketing emails using the link in any email;
• Request access to, correction of, or deletion of your personal information by contacting us below.

9. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date.

11. Contact Us

Questions about this Privacy Policy can be sent to:

First Legacy Financial
[Insert business address]
Email: [email protected]
Phone: (555) 000-0000

1. Acceptance of Terms

By accessing or using the First Legacy Financial website, you agree to be bound by these Terms of Service. If you do not agree, please do not use our website or services.

2. Our Services

First Legacy Financial provides information about life insurance products — including term life, whole life, final expense, and indexed universal life (IUL) — and helps connect you with coverage options. First Legacy Financial does not offer health insurance. All coverage is subject to application, underwriting, and approval by the issuing insurance carrier; nothing on this website is a guarantee of coverage, rate, or approval.

3. SMS / Mobile Messaging Policy

This section describes the text messaging (SMS) program offered by First Legacy Financial and the terms that apply when you opt in.

Program Description

By submitting your mobile number through our website form or otherwise providing consent, you agree to receive text messages from First Legacy Financial related to: quote requests and follow-up on your inquiry, appointment reminders and scheduling, account or policy-related updates, and general informational or promotional messages about our life insurance products and services. We do not send messages unrelated to the purpose for which you provided your number.

Message Frequency

Message frequency is recurring and will vary depending on your interaction with us. You can generally expect to receive approximately 1–4 messages per month, though this may be more during active periods such as an open quote request or policy application, and fewer once your inquiry is resolved.

Opt-Out Instructions

You may cancel text messages at any time. Reply STOP to any message from First Legacy Financial to opt out. After you send STOP, we will send one final confirmation message and then send no further texts unless you opt back in. If you would like to opt in again, simply submit your number through our website form or otherwise provide consent.

Help Instructions

Reply HELP to any message to receive assistance, or contact us directly at [email protected] or (555) 000-0000 for support with our text messaging program.

Disclaimers

• Message and data rates may apply.
• Message frequency may vary.
• Carriers are not liable for delayed or undelivered messages.
• Consent to receive text messages is not required as a condition of purchasing any product or service.

4. Eligibility

You must be at least 18 years old to request a quote or use our services.

5. No Insurance, Financial, Legal, or Tax Advice

Content on this website is for general informational purposes only and does not constitute insurance, financial, legal, or tax advice. Speak with a licensed professional about your specific situation before making coverage decisions.

6. Intellectual Property

All content on this website — including text, graphics, logos, and design — is the property of First Legacy Financial and may not be copied or used without permission.

7. Limitation of Liability

To the fullest extent permitted by law, First Legacy Financial is not liable for any indirect, incidental, or consequential damages arising from your use of this website or our services.

8. Governing Law

These Terms are governed by the laws of [Insert state], without regard to conflict-of-law principles.

9. Changes to These Terms

We may update these Terms from time to time. Continued use of our website after changes are posted constitutes acceptance of the revised Terms.

10. Contact Us

First Legacy Financial
[Insert business address]
Email: [email protected]
Phone: (555) 000-0000