Terms & Conditions

1.Acceptance of Terms

These Terms & Conditions (the "Terms") govern your access to and use of the website located at veluxelegacygroup.com, any subdomains, our quote request forms, our text messaging program, and any related services we provide (collectively, the "Services"). The Services are operated by [Veluxe Legacy Group, LLC] ("Veluxe Legacy Group," "we," "us," or "our").

By accessing our website, submitting a quote request, opting in to our text messaging program, or otherwise using the Services, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated here by reference. If you do not agree to these Terms, do not use the Services.

2.About Veluxe Legacy Group

Veluxe Legacy Group is a licensed independent life insurance agency. We help consumers compare and apply for life insurance products — including final expense whole life, term life, and related coverage — offered by third-party insurance carriers. We do not underwrite, issue, or administer insurance policies.

Our resident state license is [State], license number [License #]. A list of the states in which we are licensed is available on request at [support@veluxelegacygroup.com].

3.SMS / Text Messaging Terms

These messaging terms apply to the Veluxe Legacy Group text messaging program (the "Program"). By opting in to the Program, you agree to these messaging terms in addition to the rest of these Terms.

Program Description

The Program delivers customer care and account notification messages related to a life insurance quote or application you have requested. Messages may include: follow-up from your assigned licensed agent, appointment scheduling and confirmations, quote information, application and policy status updates, requests for information needed to complete your application, and responses to questions you send us.

How to Opt In

• Submitting a quote request form on veluxelegacygroup.com and checking the box consenting to receive text messages;
• Texting the keyword START to (855) 610-5160;
• Replying START or YES to a message from your assigned agent; or
• Providing express consent verbally to a licensed agent during a telephone call.

Consent to receive text messages is not a condition of purchasing any product or service.

Message Frequency

Message frequency varies. Message frequency depends on your interactions with us and the status of your quote or application. You will typically receive up to 6 messages per month, and may receive additional messages in direct reply to messages you send us.

Cost

Message and data rates may apply. Veluxe Legacy Group does not charge for the Program, but your mobile carrier's standard message and data rates will apply to every message sent and received. Contact your wireless provider for details about your plan.

Carrier Liability

Carriers are not liable for delayed or undelivered messages. Delivery of messages is subject to effective transmission by your wireless carrier and is outside our control. We do not guarantee that messages will be delivered, and we are not responsible for delayed or undelivered messages.

Supported Carriers

The Program is available on most major U.S. wireless carriers, including AT&T, Verizon Wireless, T-Mobile®, Sprint, Boost Mobile, U.S. Cellular, MetroPCS, Cricket, Virgin Mobile, and others. T-Mobile is not liable for delayed or undelivered messages. Carriers are not liable for delayed or undelivered messages. Carrier participation may change without notice.

Device & Number Requirements

The Program requires a supported mobile device with text messaging capability and an active plan with a participating carrier. You represent that you are the subscriber of, or the customary user with authority to consent for, the mobile number you provide. If you change or relinquish your mobile number, you agree to notify us promptly at [support@veluxelegacygroup.com] so that we do not send messages to a person who has not consented.

Privacy

Information you provide in connection with the Program is handled in accordance with our Privacy Policy. We do not sell or share your mobile phone number or SMS consent with third parties or affiliates for their own marketing or promotional purposes.

4.Telephone Contact & TCPA Consent

When you submit a quote request and check the applicable consent box, you provide your prior express written consent for Veluxe Legacy Group and its licensed agents to contact you at the telephone number you provided — including a wireless number — using automatic telephone dialing systems, artificial or prerecorded voice messages, and text messages, for purposes of discussing life insurance products and servicing your request.

This consent is not a condition of purchasing any goods or services. You may revoke this consent at any time by replying STOP to a text message, telling any agent on a call that you wish to be placed on our internal Do Not Call list, or emailing [support@veluxelegacygroup.com]. Revocation of consent will be honored within a reasonable time and in accordance with applicable law.

We maintain an internal Do Not Call list and scrub our outbound contact lists against the National Do Not Call Registry and applicable state registries where required.

5.Eligibility

The Services are intended for residents of the United States who are at least 18 years of age. By using the Services, you represent that you are at least 18 and legally able to enter into these Terms. The Services are not directed to children under 13, and we do not knowingly collect personal information from children under 13.

6.Quotes, Rates & No Guarantee of Coverage

Any premium figures, rate estimates, coverage amounts, or product illustrations presented through the Services — including in text messages, on quote pages, or by an agent — are estimates for illustration only. They are not offers of insurance, binders, or guarantees of coverage or price.

Actual premiums, coverage, and issuance are determined solely by the issuing insurance carrier following a complete application and its underwriting process, and depend on factors including age, health, tobacco use, state of residence, and carrier guidelines. Rates and product availability vary by state and are subject to change. No coverage is in force until the issuing carrier approves your application, issues a policy, and the initial premium is paid.

7.We Are an Agency, Not an Insurer

Veluxe Legacy Group is an independent insurance agency. We are not an insurance company. All policies are underwritten and issued by third-party insurance carriers, and all claims decisions, policy administration, and payment obligations are the sole responsibility of the issuing carrier. Guarantees are subject to the claims-paying ability of the issuing carrier.

Nothing on the Services constitutes legal, tax, or financial advice. Consult a qualified professional regarding your particular circumstances.

8.Your Information & Accuracy

You agree to provide accurate, current, and complete information when you request a quote or complete an application, and to update that information as needed. Providing false or incomplete information on an insurance application may result in denial of a claim or rescission of a policy by the issuing carrier, and may constitute insurance fraud under applicable law.

9.Acceptable Use

You agree not to:

• Submit another person's telephone number or personal information without their authorization;
• Use the Services for any unlawful, fraudulent, or deceptive purpose;
• Attempt to gain unauthorized access to the Services, our systems, or any account not belonging to you;
• Introduce malware, scrape, harvest, or use automated means to access the Services without our written permission;
• Interfere with or disrupt the integrity or performance of the Services;
• Send abusive, harassing, or threatening content to our agents or staff.

We may suspend or terminate your access to the Services at any time, with or without notice, for conduct we reasonably believe violates these Terms or applicable law.

10.Intellectual Property

The Services and all content, features, and functionality — including text, graphics, logos, the Veluxe Legacy Group name and marks, and software — are owned by Veluxe Legacy Group or its licensors and are protected by U.S. and international intellectual property laws. You may view and print content for your own personal, non-commercial use. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content without our prior written consent.

11.Third-Party Links & Services

The Services may contain links to third-party websites, including insurance carrier portals, e-application platforms, and scheduling tools. We do not control and are not responsible for the content, privacy practices, or terms of any third party. Your use of a third-party service is governed by that party's own terms and privacy policy.

12.Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, VELUXE LEGACY GROUP DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR THAT ANY MESSAGE WILL BE DELIVERED. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

13.Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, VELUXE LEGACY GROUP AND ITS OFFICERS, MEMBERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICES, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW.

14.Indemnification

You agree to indemnify, defend, and hold harmless Veluxe Legacy Group and its officers, members, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Services, your violation of these Terms, your violation of applicable law, or your submission of another person's information without authorization.

15.Dispute Resolution & Arbitration

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court.

Except for claims that qualify for small claims court and claims for injunctive relief regarding intellectual property, any dispute arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. Arbitration will take place in [County, State], or by videoconference or telephone at your election where permitted by the rules.

Class Action Waiver. You and Veluxe Legacy Group agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding. The arbitrator may not consolidate more than one person's claims.

Opt-Out. You may opt out of this arbitration agreement by sending written notice to [support@veluxelegacygroup.com] within 30 days of first accepting these Terms. Opting out will not affect any other provision of these Terms.

16.Governing Law

These Terms are governed by the laws of the State of [State], without regard to its conflict of laws principles. Subject to the arbitration provision above, you consent to the exclusive jurisdiction and venue of the state and federal courts located in [County, State]. If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect.

17.Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last Updated" date at the top of this page. Material changes will be communicated through the Services or by other reasonable means. Your continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

18.Contact Us

Questions about these Terms or our text messaging program: