Terms of Service

Last updated: October 2025

Welcome to The Insurance Gaygent (“we,” “us,” or “our”).
By accessing or using our website https://theinsurancegaygent.com (the “Site”) or any services we offer, you agree to these Terms of Service (“Terms”).
If you do not agree, please do not use our Site.

1. Purpose of This Site

The Legacy Educator provides educational information about life insurance, retirement planning, and related financial topics.
We connect visitors with licensed professionals who can help them review coverage options, but we are not an insurance carrier and do not issue insurance policies directly.

2. Eligibility

To use this Site or submit your information:

You must be at least 18 years old.

You must be a U.S. resident.

You agree to provide accurate, complete, and truthful information when submitting any form or scheduling a consultation.

3. No Professional Advice

All content on this Site is for educational and informational purposes only and should not be considered financial, legal, or tax advice.
Any coverage recommendations or quotes are provided by licensed insurance professionals and are subject to underwriting and carrier approval.

4. User Responsibilities

By using our Site, you agree that you will not:

Submit false or misleading information.

Attempt to disrupt or damage the Site.

Copy, distribute, or modify content without written permission.

Use the Site for any unlawful or fraudulent purpose.

5. Communications Consent

By providing your contact information, you agree that The Legacy Educator and its partners may contact you via:

Phone, text message, or email,

For purposes including scheduling, coverage discussions, and updates.

Message and data rates may apply. You may opt out of messages at any time by replying “STOP” or using the unsubscribe link in emails.

6. Appointments and Consultations

Consultations are provided at no cost and are intended to help you understand available life insurance and financial protection options.
There is no obligation to purchase.
All quotes are non-binding until an official application is submitted and approved by a licensed carrier.

7. Third-Party Services

Our Site may contain links or integrations with third-party tools or service providers (for example: calendar booking, video meetings, analytics, or insurance carriers).
We are not responsible for the content, policies, or practices of these third-party websites.

8. Intellectual Property

All content on this Site — including text, graphics, logos, and layout — is owned or licensed by The Legacy Educator and protected by copyright law.
You may not reproduce or redistribute our content without prior written permission.

9. Limitation of Liability

To the maximum extent permitted by law:

We are not liable for any direct, indirect, incidental, or consequential damages resulting from your use of our Site or services.

We do not guarantee approval for insurance coverage or specific rates.

Your use of the Site is at your own risk.

10. Indemnification

You agree to indemnify and hold harmless The Legacy Educator, its owners, team members, and affiliates from any claims, losses, damages, or expenses (including legal fees) arising out of your use of the Site or violation of these Terms.

11. Privacy

Your use of our Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.

12. Changes to These Terms

We may update or modify these Terms at any time.
Changes will be posted on this page with the updated “Last Updated” date.
Continued use of the Site after changes constitutes your acceptance of the new Terms.

13. Governing Law

These Terms are governed by and construed under the laws of the State of Florida, without regard to conflict of law principles.

14. Contact Us

If you have questions about these Terms, please contact:
📧 [email protected]
🌐 https://theinsurancegaygent.com