Terms of Service | First Pillar Legacy
First Pillar LegacyFIRST PILLAR LEGACY

Terms of Service

Effective Date: May 26, 2026

1. Agreement to Terms

These Terms of Service ("Terms") govern your use of firstpillarlegacy.com and related services operated by First Pillar Legacy ("FPL," "we," "us," or "our"). By accessing this website, submitting forms, communicating with us via phone, text, or email, or using our services, you agree to be bound by these Terms. If you do not agree, please do not use the website.

2. Nature of Our Service

First Pillar Legacy is a licensed independent insurance agency (NPN 22182686). We connect individuals, families, and businesses with life insurance products from multiple licensed carriers. We are not an insurance company. We do not underwrite, issue, or guarantee any insurance policies.

As an independent agency, we are not captive to any single carrier. We can present options from multiple providers. However, we do not represent every carrier in the market, and our recommendations are limited to carriers with whom we have active appointments.

Final policy terms, coverage, and pricing are determined by the issuing insurance carrier, not by First Pillar Legacy.

3. Not Professional Advice

The information on this website is for general educational and informational purposes only. It does not constitute insurance advice, financial advice, tax advice, or legal advice. Content should not be relied upon as a substitute for professional guidance tailored to your specific situation.

We strongly recommend consulting with a licensed insurance professional, financial advisor, tax advisor, or attorney before making any insurance or financial decisions.

4. Accuracy of Information

We make reasonable efforts to ensure information on our website is accurate and up to date. However, we do not warrant the accuracy, completeness, or timeliness of any information provided. Insurance products, rates, and regulations change frequently.

Quotes, estimates, or illustrations provided through the website are preliminary and subject to change based on underwriting, carrier approval, and other factors. A binding insurance contract is created only when a policy is issued by the insurance carrier.

5. Communications and TCPA Consent

By submitting your contact information through our website or through our marketing partners' websites, you expressly consent to receiving communications from First Pillar Legacy and our licensed insurance agents, including:

These communications may be sent to the phone number and email address you provided, including any wireless number, even if registered on a state or federal Do Not Call list. Message and data rates may apply. Message frequency varies. Consent is not a condition of purchase.

AI Communications: We use AI-powered assistants to schedule appointments, send reminders, and handle routine follow-up. For details about our AI agents, see our AI Disclosure page.

Opt-Out: You may opt out at any time by replying STOP to any text message, following the unsubscribe link in any email, or contacting us at info@firstpillarlegacy.com. Reply HELP for assistance. See our Privacy Policy for full details on communications and opt-out procedures.

5.1 Cookies and Tracking Technologies

By accessing or using this website, you consent to our use of cookies, web beacons, advertising pixels, and similar technologies as described in our Privacy Policy. You may control preferences through your browser settings.

6. Your Responsibilities

When using our website and services, you agree to:

7. Intellectual Property

All content on this website, including text, graphics, logos, images, audio, video, and software, is the property of First Pillar Legacy or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or republish any material without our prior written consent, except for temporary copies stored in your browser's cache for personal viewing.

8. External Links Disclaimer

This website may contain links to third-party websites, including insurance carrier sites and government resources. We do not endorse, control, or assume responsibility for the content, privacy practices, or policies of third-party websites. Accessing third-party sites is at your own risk.

9. Disclaimer of Warranties

This website and its content are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied. We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

10. Limitation of Liability

To the fullest extent permitted by law, First Pillar Legacy, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of or inability to use the website, any unauthorized access to your personal information, or your reliance on any information provided on the website.

In no event shall our total liability to you for all claims exceed the greater of one hundred dollars ($100.00) or the amounts paid by you to us, if any, during the twelve (12) months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless First Pillar Legacy, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or connected with your access to or use of the website, your violation of these Terms, or your violation of any third-party rights.

12. Termination

We may terminate or restrict your access to the website at any time without notice, for any conduct we believe violates these Terms or is harmful to others. Sections 7, 9, 10, 11, 13, 14, and 15 survive termination.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. The Federal Arbitration Act governs the arbitration provision in Section 14.

14. Binding Arbitration and Class Action Waiver

14.1 Agreement to Arbitrate

Any dispute arising from or relating to these Terms, the website, or our services shall be resolved through binding individual arbitration rather than in court, except as provided in Section 14.4.

14.2 Arbitration Rules

Arbitration shall be administered by the American Arbitration Association (AAA) under Consumer Arbitration Rules. Arbitration may be conducted in Florida or remotely. The arbitrator's decision is final and binding.

14.3 Class Action Waiver

YOU AND FIRST PILLAR LEGACY AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN THAT PARTY'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. You expressly waive the right to participate in a class action.

14.4 Exceptions to Arbitration

Either party may bring claims in small-claims court if they qualify. Either party may seek injunctive relief for intellectual property infringement. Claims that cannot legally be arbitrated are excepted.

14.5 Right to Opt Out

You may opt out of the arbitration agreement within thirty (30) days of first accepting these Terms by sending written notice to info@firstpillarlegacy.com with your name, address, phone number, and a clear statement that you wish to opt out of the arbitration provision.

14.6 Survival

This arbitration provision survives termination of these Terms.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions remain in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

16. Entire Agreement

These Terms, together with our Privacy Policy, AI Disclosure, and Disclosure, constitute the entire agreement between you and First Pillar Legacy regarding your use of the website.

17. Assignment

You may not assign these Terms without our consent. We may assign these Terms at any time without notice.

18. Changes to These Terms

We may update these Terms from time to time. Material changes will be indicated by updating the "Effective Date" at the top of this page. Your continued use of the website after any modifications constitutes acceptance of the revised Terms.

19. Contact Us

If you have any questions about these Terms:

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