FIRST PILLAR LEGACYWelcome to First Pillar Legacy. These Terms of Service ("Terms") govern your use of our website firstpillarlegacy.com (the "Site") and any related services we provide. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
1. Acceptance of Terms
By accessing, browsing, or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. We reserve the right to modify these Terms at any time. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
2. Description of Services
First Pillar Legacy is an independent insurance brokerage that connects individuals, families, and businesses with life insurance products from multiple carriers. Our Site provides:
- Educational content about life insurance products and strategies
- Tools to request insurance quotes and consultations
- Information about various insurance solutions including term life, whole life, indexed universal life, final expense, mortgage protection, annuities, and related products
- Resources for prospective insurance agents and partners
We act as an intermediary between you and insurance carriers. Final policy terms, coverage, and pricing are determined by the issuing insurance carrier, not by First Pillar Legacy.
3. Not Insurance or Financial Advice
The information provided on this Site is for general educational and informational purposes only. It does not constitute insurance advice, financial advice, tax advice, or legal advice. The content on this Site should not be relied upon as a substitute for professional guidance tailored to your specific situation.
We strongly recommend that you consult with a licensed insurance professional, financial advisor, tax advisor, or attorney before making any insurance or financial decisions. Insurance product availability, features, benefits, and costs vary by carrier, state, and individual circumstances.
4. Accuracy of Information
We make reasonable efforts to ensure the information on our Site is accurate and up to date. However, we do not warrant or guarantee the accuracy, completeness, or timeliness of any information provided. Insurance products, rates, and regulations change frequently, and the information on our Site may not reflect the most current offerings.
Any quotes, estimates, or illustrations provided through the Site are preliminary and subject to change based on underwriting, carrier approval, and other factors. A binding insurance contract is only created when a policy is issued by the insurance carrier.
5. User Conduct
When using our Site, you agree to:
- Provide accurate and truthful information in all forms, applications, and communications
- Use the Site only for lawful purposes
- Not attempt to gain unauthorized access to any portion of the Site, other accounts, or computer systems
- Not use the Site to transmit harmful code, spam, or malicious content
- Not scrape, crawl, or use automated tools to extract data from the Site without our written consent
- Not interfere with or disrupt the Site or servers connected to the Site
- Not impersonate any person or entity or misrepresent your affiliation with any person or entity
We reserve the right to terminate or restrict your access to the Site at our sole discretion, without notice, for any conduct that we believe violates these Terms or is harmful to other users, us, or third parties.
6. Intellectual Property
All content on this Site, including but not limited to text, graphics, logos, images, audio clips, video, data compilations, 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, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any material from our Site without our prior written consent, except as follows:
- You may temporarily store copies of materials in your computer's RAM incidental to accessing and viewing the Site
- You may store files that are automatically cached by your browser for display purposes
- You may print or download one copy of a reasonable number of pages for your personal, non-commercial use
7. Limitation of Liability
To the fullest extent permitted by applicable law, First Pillar Legacy, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, 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 Site
- Any unauthorized access to or use of our servers or any personal information stored therein
- Any interruption or cessation of transmission to or from the Site
- Any bugs, viruses, or similar harmful code that may be transmitted through the Site
- Any errors or omissions in any content on the Site
- Your reliance on any information provided on the Site
In no event shall our total liability to you for all claims arising from or related to your use of the Site exceed the amount you paid to us, if any, during the twelve (12) months preceding the claim.
8. Disclaimer of Warranties
The Site and all content, materials, information, and services provided on the Site are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components.
9. 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 in any way connected with your access to or use of the Site, your violation of these Terms, or your violation of any third-party rights.
10. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the federal or state courts located in Texas, and you consent to the personal jurisdiction and venue of such courts.
11. Severability
If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.
12. Entire Agreement
These Terms, together with our Privacy Policy and any other legal notices published on the Site, constitute the entire agreement between you and First Pillar Legacy regarding your use of the Site and supersede all prior agreements and understandings.
13. Changes to These Terms
We reserve the right to modify these Terms at any time. Material changes will be indicated by updating the "Last updated" date at the top of this page. Your continued use of the Site after any modifications constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.
14. Contact Us
If you have any questions about these Terms of Service, please contact us:
- Email: info@firstpillarlegacy.com
- Website: firstpillarlegacy.com/contact