Terms of Service

Effective Date: April 16, 2026

Updated: May 16, 2026

These Terms of Service (“Terms”) govern your use of the website and services provided by Legacy Protection Group.

By using our website or services, you agree to these Terms.

1. Services Provided

We provide insurance-related services, including:

  • Quotes and policy information

  • Insurance and Benefits assistance

  • Customer support

  • AI-powered communication via phone and SMS

We are a licensed insurance agency operating in the State of North Carolina, and are committed to helping you protect what matters most through personalized guidance and support.

2. No Guarantee of Coverage

Submitting information or receiving a quote does not guarantee:

  • Approval for insurance

  • Coverage availability

  • Specific rates or terms

All policies are subject to underwriting by the insurance carrier.

3. User Responsibilities

You agree to:

  • Provide accurate and complete information

  • Use our services only for lawful purposes

  • Not misuse or attempt to disrupt our systems

4. Communications Consent

By providing your phone number, you expressly consent to receive:

  • Calls and text messages from us, including those made using automated systems or AI

  • Informational and marketing communications

  • Transactional Messages - Appointment reminder, follow-up messages, and policy or benefit updates.

  • Promotional Messages - Special offers, insurance and benefits tips, and policy reminders.

  • How to Get Help - Reply “Help” to any messages for assistance, or contact us directly at (910) 812 - 8106

Consent is not a condition of purchase.

You may opt out at any time:

  • Text: Reply STOP

  • Call or email us directly

5. Message Frequency & Charges

  • Message frequency may vary

  • Standard message and data rates may apply

  • Your mobile carrier is not responsible for delayed or undelivered messages

6. AI System Disclaimer

Our communication systems may use artificial intelligence. While we strive for accuracy:

  • AI responses may not always be complete or error-free

  • Final insurance decisions and advice should be confirmed with a licensed agent

7. Privacy

Your use of our services is also governed by our Privacy Policy.

8. Limitation of Liability

To the fullest extent permitted by law, we are not liable for:

  • Indirect, incidental, or consequential damages

  • Errors or delays in communication systems

  • Decisions made based on AI-generated responses

9. Compliance with Laws

You agree to comply with all applicable laws, including:

  • Telemarketing and communications laws

  • Insurance regulations

We operate in accordance with North Carolina insurance regulations.

10. Modifications

We may update these Terms at any time. Continued use of our services constitutes acceptance of the updated Terms.

11. Contact Information

Legacy Protection Group Southern Pines, North Carolina, 28387
legacyprotectgroup@gmail.com
(910) 812 - 8106