Terms of Service

1. Agreement to Terms

By accessing or using the website located at valorlegacies.com (the “Site”), operated by Valor Legacies (“we,” “us,” or “our”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use the Site.

2. Nature of Our Service

We are NOT an insurance company, insurance agent, or insurance broker.

Our Site provides a platform for consumers to express interest in learning about life insurance options. When you submit your information through our form, we connect you with one or more licensed insurance professionals who may contact you to discuss coverage options.

• We do not provide insurance quotes.
• We do not sell, negotiate, or bind insurance coverage.
• We do not make recommendations about specific insurance products, coverage amounts, or carriers.
• We do not guarantee any specific rates, coverage availability, or underwriting outcomes.
• Any insurance products offered by licensed professionals are subject to the terms and conditions of the applicable insurance company.

3. Eligibility

You must be at least 18 years of age and a resident of the United States to use our Site and submit information through our lead form. By using the Site, you represent and warrant that you meet these eligibility requirements.

4. Information You Provide

You agree to provide accurate, current, and complete information when submitting our form. You are solely responsible for the accuracy of the information you provide. Submitting false, misleading, or fraudulent information is prohibited and may result in legal action.

5. Communications Consent

By checking the TCPA consent checkbox and submitting our form, you provide your prior express written consent for the specific company identified in the consent disclosure to contact you at the phone number and/or email address you provided. This may include:

• Phone calls, including calls made using an automatic telephone dialing system or prerecorded voice.
• Text messages (SMS/MMS).
• Email communications.

This consent is not a condition of purchasing any product or service. You may revoke consent at any time by contacting us at valorlegacies@gmail.com, replying STOP to any text message, or using the opt-out mechanism in any email. Standard message and data rates may apply.

6. Third-Party Relationships

Licensed insurance professionals who contact you are independent third parties, not employees or agents of Valor Legacies. We are not responsible for their actions, advice, products, or services. Any contract or agreement you enter into with an insurance professional or carrier is solely between you and that party.

7. No Guarantees

We make no guarantees that: (a) you will be contacted by a licensed professional; (b) you will qualify for any insurance product; (c) any specific rates or premiums will be available to you; or (d) coverage will be offered in your state. Insurance availability, rates, and terms vary by state, carrier, and individual circumstances.

8. Intellectual Property

All content on this Site, including text, graphics, logos, and software, is the property of Valor Legacies or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our prior written permission.

9. Disclaimer of Warranties

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, 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, OR SECURE.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VALOR LEGACIES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR ANY INSURANCE PRODUCTS OR SERVICES OBTAINED THROUGH PROFESSIONALS CONNECTED VIA THE SITE. OUR TOTAL LIABILITY SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).

11. Indemnification

You agree to indemnify and hold harmless Valor Legacies, its officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising from your use of the Site, your submission of information, or your violation of these Terms.

12. Governing Law & Disputes

These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the Site shall be resolved through binding arbitration in San Francisco, California in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in any court of competent jurisdiction.

13. Changes to These Terms

We may modify these Terms at any time. The “Last Updated” date indicates the most recent revision. Your continued use of the Site after changes constitutes acceptance of the revised Terms.

14. Contact Us

For questions about these Terms, contact us at: